Researchon Risk Analysis And Countermeasure Of Personal Housing Loan Business In Q Branch Of Y Bank

With the fast development speed of China’s economy,China’s personal housing loan business is experiencing fast development speed and is presenting high growth rate.With credits of distributed risks,low capital occupation and high business profit,personal housing loan becomes the major loan business of commercial banks.It plays an important role in improving the bank asset structure and it raises the business profit.However,because China’s personal housing loan operation is not mature,the housing loan of Chinese commercial bank is facing with many risks.With the influence of the coronavirus epidemic,China’s economy continues to be malaise,people’s debt pressure increases.The non-performing rate of commercial bank housing loan is also increases.How to prevent substantive risks in the new situation and how to solve the problems encountered in the development of individual housing loan are important subjects facing to each bank.Y Bank Q Branch is located in the southeast of Hebei Province.The location is advantageous.Over the years,Q City has been developing tourism business with the advantage of being close to the coastline,attracting a large number of real estate developers and investors.The average price of housing transactions increase every year.As Q Branch’s personal housing loans increases,risks are gradually exposed.In this context,this paper firstly lists the research background and significance,gathers the relevant literature at home and abroad,and summarizes the research content and methods;Secondly,based on relevant theories such as credit risk,this paper analyzes the current risk situation of personal housing loan business in Q Branch of Y Bank through literature research,comparative real data analysis and stress test.Thirdly,present status of risk management,this work finds out the existing problems,analyzes the causes of those problems through case analysis.At last,risk prevention ideas from three risk aspects: credit risk,market risk and operational risk are listed.The research results of this paper provide certain reference for banks on how to better control the risk of personal housing loan,how to promote the healthy development of personal housing loan business and how to build and develop hard core strength,which will be helpful to improve the risk prevention ability of the personal housing loan business and be helpful to improve its core competitiveness in the interbank market.