Research On Risk Management Of Individual Housing Loan In Chuzhou Branch Of Bank B

In recent years,the boom of China’s real estate market has promoted the rapid growth of the scale of personal loans.Personal housing loan has the advantages of long term,low risk and stable income,therefore,it has become the high-quality asset business that each big commercial bank contends for.However,with the increase of uncertainty in the real estate market and the strengthening of national macro-control,personal housing loan risk is also increasing.The personal housing loan business of Chuzhou branch of Bank B has taken advantage of the situation to develop in recent years.Asset scale shows explosive growth.By the end of 2020,the total scale of personal housing loans had reached 13.7 billion yuan.Overdue loans reached 109 million yuan,a nearly fourfold incease from 2016.A number of individual housing loan risk cases have occurred in Chuzhou branch of Bank B in recent years,which embodies in unqualified borrower loan qualification,false developer mortgage and the overvaluation of collateral and other fields.In this paper,the commercial bank personal housing loan risk management of related theory and research results are expounded through collecting a large number of literature and data risk management by consulting,personal housing loan risk management,the real estate market of development and changes in Chuzhou,and the development of personal housing loan in the Chuzhou branch of Bank B.On this basis,the Chuzhou branch of Bank B is taken as the research object,including personal loans and individual housing loan business development situation,overdue loans.A comparative study on the bank risk management of personal housing loan business scale and condition are analyzed,using literature research,case analysis and the study method combining theory and practice of in-depth analysis.Based on the above background,through a comprehensive analysis of Chuzhou branch of Bank B and specific risk management cases,this paper analyzes the current risks of individual housing loans in Chuzhou branch of Bank B.It is mainly manifested as borrower risk,transaction authenticity risk,false mortgage loan risk,mortgage risk,the third party risk,and legal risk,etc.By putting forward the corresponding countermeasures and suggestions for the above risk prevention,so as to provide a certain reference for improving the personal housing loan risk management of Chuzhou branch of Bank B.