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PersonalhousingloantothebankriskmanagementresearchPARTI.ProblemStatementInthispart,IwillgiveadetailedintroductionofIndustrialandCommercialBankofChinaandtheinformationabouttheIndividualhousingloan.Certainly,theproblemformulationisthemostimportantoneIwanttodiscuss.1introductiontoICBCandIssuesIndustrialandCommercialBankofChinaLtd.(ICBC)isthelargestbankintheworldbyprofitandmarketcapitalization.ItisoneChina's'BigFour'state-ownedcommercialbanks(theotherthreebeingtheBankofChina,AgriculturalBankofChina,andChinaConstructionBank.ItwasfoundedasalimitedcompanyonJanuary1,1984.AsofMarch2010,ithadassetsofRMB12.55trillion(US$1.9trillion),withover18,000outletsincluding106overseasbranchesandagentsglobally.In2011,itrankednumber7onForbesGlobal2000listofworldsbiggestpubliccompaniesIndustrialandCommercialBankof1991establishedtheDepartmentofrealestatecredit,forindividualhousingcreditbusiness,andmadeaworkerhousingmortgageloanmanagementapproach.1.1IndividualhousingloanIndividualhousingloanofbankcredittotheselfisthesourceoffundsforpersonalloanstopropertybuyers.Alsoknownasthecommercialindividualhousingloans,banksnamearenotthesame,theConstructionBankknownastheindividualhousingloans,industrialandCommercialBankofChinaandAgriculturalBankknownasthepersonalhousingloanguarantee1.2thecreditriskTherealestateindustryisahighriskindustry,housingcreditbusinesshidesthebiggerrisk.Itisthebank'sownrisks.Commercialbanksascreditparties,ingroupsthroughtheinternaldivisionofthemutualcooperation,apartofanymismanagementmaycausepotentialrisksintoreality,causedthelossofassets.Creditriskcausedbycharacteristicisthebanksthemselves,butitcanavoid,reduceandpreventthecreditrisk,whichisthefocusofthework2.problemformulationHowtodecreasethecreditrisksofpersonalhousingloanofICBC?3.InterpretationoftheproblemformulationThecreditriskofindividualhousingloanriskishighestamongspecies,includingtheborrowersolvencyriskofinsufficientandguarantorsolvencyrisktwokinds.Ontheloanapplicantforcreditinvestigationisthebankconsumerc
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