Research On Risk Management Of Personal Housing Loans In ICBC Branch

At present,under the multiple backgrounds of epidemic situation,the overall tightening of housing loan policy and the acceleration of market-oriented interest rate,personal housing loan business is facing more and more risk challenges.For most urban commercial banks,personal housing loan risk control should be based on the local market,combined with the actual development of enterprises,establish a sound risk control mechanism based on the internal and external environment,and timely improve the existing problems and deficiencies,Promote the steady development of personal housing loan business.In view of the above background,this paper chooses the personal housing loan risk management problem of ICBC A Branch for research and discussion.In the research,this paper analyzes the personal housing loan business scale and risk management status of ICBC A Branch,and expounds the current risks and causes of the bank from the perspective of credit risk,operational risk,market risk,liquidity risk and legal risk.Through this study,it is found that as far as the personal housing loan risk management of ICBC A Branch is concerned,there are mainly problems such as lack of comprehensive assessment of customer credit risk,insufficient participation of internal control mechanism in risk early warning,failure to establish a comprehensive risk management mechanism,weak overall risk awareness of credit business personnel,and incomplete post loan risk management mechanism.In view of these problems,this paper combines the risks faced by personal housing loans of A Branch of ICBC,and through the method of integrating theory with practice,puts forward targeted optimization suggestions for risk performance: such as establishing a comprehensive personal credit evaluation system,optimizing and adjusting the credit structure,strengthening the management of developers and intermediaries,etc.,in order to establish a comprehensive risk management system.In summary,through this study,it provides useful reference for helping Industrial and Commercial Bank of China Branch A comprehensively diagnose the current risk issues in personal housing loans,and how to strengthen the risk management of personal housing loans in the next step.At the same time,it also helps other branches of Industrial and Commercial Bank of China pay attention to risk management of personal housing loans,improve risk prevention,and ensure the healthy development of personal housing loans.