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Personal?housing?loan?to?the?bank?risk?management?research?PART?I.??Problem?Statement??In?this?part,?I?will?give?a?detailed?introduction?of?Industrial?and?Commercial?Bank?of?China?and?the?information?about?the?Individual?housing?loan.?Certainly,?the?problem?formulation?is?the?most?important?one?I?want?to?discuss.??1?introduction?to?ICBC?and?Issues?Industrial?and?Commercial?Bank?of?China?Ltd.?(ICBC)?is?the?largest?bank?in?the?world?by?profit?and?market?capitalization.?It?is?one?Chinas?Big?Four?state-owned?commercial?banks?(the?other?three?being?the?Bank?of?China,?Agricultural?Bank?of?China,?and
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