关键词: 住房信贷 信用 风险管理 策略
Abstract:Expands under the macroscopic policy direction in the country which must stimulate expends, after the housing expends into the new consumption hot spot, the real estate finance service center of gravity also gradually from the property development loan to individual loan service shift, enables our country's individual housing credit operation to obtain the rapid development, individual loan accounts for the proportion in the bank loan to enhance day after day. At the same time, individual housing credit non-performing loan rate gradually is also rising, also has the acceleration sign, individual housing credit risk appears gradually. Any financial service core question all is the risk question, individual housing expense loan is not exceptional. Based on this, this article has conducted the systematic research to the China Everbright Bank Wuhan Branch individual housing credit risk. The article our country individual housing credit development course and the present situation took the question the breakthrough point, the union China Everbright Bank Wuhan Branch individual housing credit operation faces the risk and the risk produce the reason has carried on the exhaustive analysis. Discussed in the housing credit in the service because of the borrower, the bank, each credit risk which the developer three produced, in which introduced separately with the quite great length in the credit risk core risk - - credit risk, and theoretically elaborated Our country Commercial bank individual housing credit risk complexity and the gravity, then proposed a series of guards and the improvement China Everbright Bank Wuhan Branch housing credit risk suggestion.
This article studies the key point is through the analysis China Everbright Bank Wuhan Branch present stage individual credit system not perfect present situation, as well as in individual loan practice the guarantee and insurance system all sorts of insufficiencies, refer to the domestic and foreign scholars to conduct the real diagnosis research to individual credit grading system research results, thus proposed suits China Everbright Bank Wuhan Branch individual housing credit risk management strategy.
Keywords loan credit risk management strategy