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Report on the development of bank personal housing credit business


Report on the development of bank personal housing credit business
x Banking Supervision Bureau:
According to the requirements of the Notice of the Joint Meeting of the Managers of the Real Estate Credit Business Department of Commercial Banks, the development of the personal housing credit business of the Bank is reported as follows:
I. Development of real estate credit business in August XX
Most of my personal housing loans are self-built housing loans, followed by second-hand housing loans, and housing loans are rare. Since the end of August XX, the balance of personal housing loans of our bank was x million yuan, a decrease of x million yuan from the beginning of the year. The balance of the first-hand housing loan is x million yuan, which is x yuan lower than the beginning of the year, accounting for x of the total amount of personal housing loans; the balance of second-hand housing loans is x million yuan, which is x yuan less than the beginning of the year, accounting for the total amount of personal housing loans. The balance of self-built housing loans was x million yuan, which was reduced by x million yuan from the beginning of the year, accounting for x of total personal housing loans.
The repayment of personal loans from the beginning of the year to the end of August: From the beginning of the year to the end of August, the whole bank only issued x personal housing loans totaling x million yuan. Since the beginning of this year, the personal housing loans of the whole bank have settled x households x yuan. Among them, the housing first-hand mortgage settled the x household x yuan, the second-hand housing loan settled x household x yuan, and the self-built housing loan settled x household x yuan.
Second, the quality of assets of our personal housing loans
At the end of August XX, the balance of non-performing loans for personal housing was x million yuan, the proportion of bad loans was x, the bad balance was down by x million yuan compared with the beginning of the year, and the proportion of bad loans was increased by x percentage points compared with the beginning of the year. The unbalanced balance of housing loans was x million. Yuan, the proportion of bad is x, the bad balance is down by x 10,000 compared with the beginning of the year, the proportion of bad loans is up by x percentage points over the beginning of the year; the bad balance of second-hand housing loans is x million yuan, the proportion of bad loans is x%, and the bad balance is lower than that at the beginning of the year. 10,000 yuan, the proportion of bad loans increased by x percentage points compared with the beginning of the year; the bad balance of self-built housing loans was x million yuan, the proportion of bad loans was x%, the bad balance was down by x million yuan compared with the beginning of the year, and the proportion of bad loans was down by x percentage points from the beginning of the year.
In August, a new personal housing non-performing loan occurred in August, with a total of x households x 10,000 yuan, including housing first-hand housing loans x households x 10,000 yuan, housing second-hand housing loans x households x 10,000 yuan, self-built housing loans x households x 10,000 yuan.
It can be seen that in the personal housing loan of our bank, although the loan balance of the first-hand housing loan is small, the bad balance of the first-hand housing loan is relatively large, and the bad debt is relatively high, and the risk is relatively high. In comparison, the bank's self-built housing loans accounted for a relatively small proportion, and it was lower than the beginning of the year, while the proportion of housing loans and second-hand housing loans was higher than the beginning of the year.
Overall, in the first eight months of XX, the unsatisfactory balance of personal housing loans decreased by x million yuan from the beginning of the year, the personal housing loans totaled x million yuan, and the newly issued personal housing loans were only x million yuan. Increase by x percentage points. From the perspective of loan types, the proportion of non-performing loans of the three types of personal housing loans in the Bank is above x, and the proportion of unsatisfactory loans in the first-hand housing is even higher than x, which is higher than the proportion of single loans that the provincial agricultural bank stipulates. The ratio of x.
Third, the main risk analysis of our personal housing loan
1. There is a false phenomenon in the income proof, and the social and economic development in the x region is relatively slow, and the risk of the first repayment source is obvious. In order to obtain a home loan, the borrower tries every means to obtain the false income certificate of the employer. Many units also issue false certificates at the request of the borrower, which causes the bank to fail to grasp the risk status of the borrower. The first repayment is missing, forming a credit risk. .
2. The credit environment and judicial environment are not satisfactory. The implementation of personal housing loan collateral often encounters difficulties in prosecuting and collecting, and the collateral disposal loss is large. The source risk of the second repayment is obvious. A series of processes, such as accepting, hearing, adjudicating, applying for execution, execution, and auctioning the collateral to repay the principal and interest of the loan, are long and difficult. At the same time, due to poor law enforcement environment, they often “win the lawsuit and lose money”. In addition, due to the fact that some real estate appraisal agencies have issued false property value evaluation documents for the purpose of obtaining profits, the evaluation price of collaterals in the personal housing loans is too high, resulting in insufficient collateral auction price to recover the principal and interest of non-performing loans, resulting in loan losses.
3. Credit officers are unfamiliar with the business and operational procedures, forming operational risks, and even suspected of false mortgages. The business operation risk directly leads to the risk of housing loans for our bank. The lessons are very profound.
Fourth, the future work ideas
1. Strengthen study and training, and strictly implement the rules and regulations for personal housing loans. At the end of last year, the provincial bank integrated all the individual loan products and compiled the “Personal Credit Product Operation Manual”. This manual is not only a normative file for handling personal housing loan business, but also a textbook for lending practitioners to learn credit rules and regulations. The Bank organizes relevant business personnel to study hard, familiar with personal housing loan rules and regulations and real estate business knowledge, understand relevant industry information, and continuously improve business capabilities and risk identification capabilities.
2. Strengthen the risk management of personal housing loans and accelerate the disposal of non-performing loans.
Make full use of the personal credit information system, credit management system and comprehensive application system of the People's Bank of China, adopt a combination of online monitoring and on-site inspection, timely discover the risk warning signal of personal housing loans, and take corresponding preventive measures in time before and after the occurrence of abnormal risks, and Sharing information such as mistakes in the credit business of other institutions and other commercial banks of the Bank will move the risk control threshold forward to ensure the safety of credit funds of the Bank. At the same time, it is necessary to strengthen communication and coordination with the executive departments of the courts and auction institutions, and increase the handling of non-performing loans for private housing.
3. Actively explore the methods and measures for risk prevention of housing credit business, and conduct healthy competition with other commercial banks on the premise of risk control, and appropriately develop the personal housing loan business of the Bank. In the second-hand building business, we must effectively use the internal assessment of collateral implemented by the Bank, cancel the notarization, etc. to alleviate the advantages of borrowers' expenses, and strive to expand the quality of individual housing loan customers, focusing on supporting the purchase of housing for their own purposes and their own economy. Ability to adapt to the purchase behavior. At the right time, we will select high-quality real estate developers to issue real estate development loans and provide one-hand mortgage loans to enhance our market competitiveness.
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