Research:Private Housing Mortgage Loan Risk Analysis

  Research Background
 
Bank of Communications Jiujiang Branch, founded in 1994, has 11 outlets and more  than 200  employees  now. Recently,  since  the  head  office  encourages small loan business for individuals, Jiujiang Branch enlarges relative business, especially in the field of private housing mortgage loans; the bank has made a great  progress.  However,  though  the  non:performing  loans  take  a  small possession in asset, potential risks become more and more obvious. The major sources of these risks are borrowers, mortgages, interest rate, liquidity and so forth. For Jiujiang Branch, a newly founded bank, it has little experience in risk management in private housing loans. 
 
Accordingly,  the  investigation  on  risk  management  of  private  housing  loan becomes more important and urgent. In specific, this paper talks about the risk for Bank of Communications Jiujiang Branch. 
  
 Research Objectives
 
Through investigations on the major risks of mortgage loans for private housing in  regard  to mortgage, borrower,  interest  rate,  liquidity and other  factors,  the paper  demonstrate  the  risk  for  Jiujiang  Branch.  For  one  thing,  the  paper analyzes the factors and trend of the risk. And then, suggestions will be given to risk management of Jiujiang Branch. 
 
 Research Questions
          
The original research question is:
   How to control and decrease the risks of mortgage loans for private housing of Bank of Communications Jiujiang Branch?
 
The detailed research questions are:
   On what certain fields the risk control and management of mortgage loans for private housing of Bank of Communications Jiujiang Branch ought  to focus on?
 
   What  is  the  current  situation  of  risk management  of mortgage  loans  for private housing of Bank of Communications Jiujiang Branch?
 
   How the risks develop in future for private housing mortgage loan of Bank of Communications Jiujiang Branch?