Personal housing loan to the bank risk management research 金融学(毕业论文).docVIP

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Personal housing loan to the bank risk management research 金融学(毕业论文).doc

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Personal housing loan to the bank risk management research 金融学(毕业论文)

PAGE PAGE 1 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 China Construction Bank. It was founded as a limited company on January 1, 1984. As of March 2010, it had assets of RMB 12.55 trillion (US$1.9 trillion), with over 18,000 outlets including 106 overseas branches and agents globally. In 2011, it ranked number 7 on Forbes Global 2000 list of worlds biggest public companies Industrial and Commercial Bank of 1991 established the Department of real estate credit, for individual housing credit business, and made a worker housing mortgage loan management approach. 1.1 Individual housing loan Individual housing loan of bank credit to the self is the source of funds for personal loans to property buyers. Also known as the commercial individual housing loans, banks name are not the same, the Construction Bank known as the individual housing loans, industrial and Commercial Bank of China and Agricultural Bank known as the personal housing loan guarantee 1.2 the credit risk The real estate industry is a high risk industry, housing credit business hides the bigger risk.It is the banks own risks. Commercial banks as credit parties, in groups through the internal division of the mutual cooperation, a part of any mismanagement may cause potential risks into reality, caused the loss of assets. Credit risk caused by characteristic is the banks themselves, but it can avoid, reduce and prevent the credit risk, which is the focus of