Research On Risk Control Of Personal Housing Loans In Commercial Banks

Due to the global economic downturn and the occurrence of the COVID-19,many industries have been affected,and China’s real estate industry has also been hit hard.The progress of real estate project construction and delivery has slowed down,the capital recovery cycle has been extended,and the housing rental market has suffered a heavy blow.The implementation of the "Three Red Lines" policy further guides financial institutions to tilt their credit funds towards industry leading enterprises,making it more difficult for small and medium-sized real estate enterprises to obtain financing,and their ability to resist risks continues to weaken.At the same time,the adjustment of urban development planning and the continuous introduction of new regulations for industry regulation also constantly affect the development direction and risks of the real estate loan industry.With the increasingly fierce competition in China’s financial market,competition between banks is no longer limited to business capabilities,and management capabilities have become a part of core competitiveness.In the business of commercial banks,personal housing loan business accounts for a large proportion,and strengthening risk management of personal housing loan business is very important.Based on this,it is necessary to study the risk control of personal housing loans.This article focuses on the risk control of personal housing loans in commercial banks,and selects B Commercial Bank as a case study.Firstly,I understood the concept definition and theoretical basis of personal housing loan risk;Secondly,the concept of personal housing loans in commercial banks,LPR interest rate policies,the current situation of personal housing loans,and the main risks of personal housing loans in commercial banks were reviewed;Furthermore,it was found that there are certain problems in the risk control of B Commercial Bank’s personal housing loans in terms of credit,market,and operation.The reasons for these problems are insufficient risk awareness and early warning,incomplete credit reporting systems,intensified competition among peers,an increase in non-performing assets,a lack of marriage verification systems,and inadequate pre loan,in loan,and post loan management;Finally,we propose optimization plans for the risk control of personal housing loans at Commercial Bank B,including strengthening risk management awareness,establishing comprehensive risk warning,establishing internal credit risk assessment mechanisms,and constructing a comprehensive personal credit evaluation system.We also propose optimization plans for market risk control,such as improving collateral management,strengthening industry competitiveness,and promoting the securitization of nonperforming assets in banks,Establish an optimization plan for business risk control,including building a marriage verification system,strengthening pre loan management,strengthening in loan review,and strengthening post loan management.I hope this article can provide a slight reference for optimizing the risk control of personal housing loans at B Commercial Bank.