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Private Housing Mortgage Loan Risk Analysis for Bank of Communications Jiujiang Branch
 

ABSTRACT 
This  paper  intends  to  give  suggestions  to Bank  of Communications  Jiujiang Branch on risk management of private housing mortgage loan. There are major five  risk  sources:  borrower,  mortgage,  bank’s  operation,  interest  rate,  and liquidity.  In  literature  review  and  methodologies,  analysis  shows  credit  risk management  in  Jiujiang  Branch  is  the  shortcoming.  The  paper  uses “CreditRisk+” model to evaluate the credit risk from the borrowers quantitatively, and  analyzes  other  risk  sources  qualitatively.  15.89 million  CNY  should  be allocated as economic capital. Besides, price risk of the mortgage, loopholes in loan contract, and mismatch in term to maturities of asset and liability and so forth contribute to the risk of the loan. And then the paper expects the trends of several risks for the loan in future and gives suggestions to Jiujiang Branch for risk management including internal rating:based, penal sum system, constant monitoring,  risk  transfer,  asset  securitization,  and  stress  testing  and  so  on. Finally, conclusions will be made. Limitations and recommendations on further research are also given.

  
TABLE OF CONTENTS
 
ACKNOLEDGEMENT‧ 
OATH OF PERSONAL NATURE OF WORK‧
ABSTRACT‧ ‧
TABLE OF CONTENTS‧ 
LIST OF FIGURES AND TABLES‧ 
 
1 Introduction‧
1.1 Research Background‧ 
1.2 Router Map‧ 
1.3 Research Objectives‧
1.4 Research Questions‧ 
2 Literature Reviews‧ 
2.1 Introduction to This Chapter‧ 
2.2 Domestic Investigations on the Risk Management of the Loan‧ 
2.3 Potential Risks in Housing Market ought to not be Neglected‧ 
    2.3.1 Housing Market Explodes in China‧ ‧
2.3.2 Re:mortgage and Fake:mortgage Increase the Risk‧ ‧
2.4 The Bank’s Current Situation of Private Housing Mortgage Loan‧ ‧‧ ‧9 99 9
2.4.1 General Situation‧ 
    2.4.2 The Loan Default Rate for Jiujiang Branch Rockets Up‧ 
2.4.3 The Characteristics of the borrowers‧

2.4.4 Current Repayment Situation‧ ‧‧
  2.5 Jiujiang Branch Executes Strict Loan Approval Procedure‧ ‧‧ ‧‧ 
2.5.1 Private Housing Loan Approval Criteria‧ ‧‧ ‧‧ 
2.5.2 Private Housing Loan Operation Process‧ ‧‧ ‧‧ ‧‧ 
2.6 Conclusion‧ ‧‧ ‧‧ ‧‧ ‧‧ ‧‧ ‧‧ ‧‧ ‧‧ ‧‧ 
3 Methodologies‧ ‧‧ ‧‧ ‧‧
3.1 Introduction to This Chapter‧ ‧‧ 
3.2 Current Credit Risk Rating Models‧&nbs本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。