Adhere to the principle of paying equal attention to development and management, and strengthen risk awareness education. At present, "fake mortgage" loan has become one of the main risk factors in the retail asset business of commercial banks. While actively developing retail mortgage business, commercial banks should resolutely overcome the tendency of one-sided pursuit of business development while ignoring risk management and internal control, resolutely reverse the business philosophy of "emphasizing development and neglecting management", and prevent "fake mortgage" throughout the whole business process, and constantly enhance their awareness of prevention.
Do a good job in pre-loan investigation to prevent problems before they happen. First, investigate and grasp the credit status of developers (enterprises). The direct cause of many "fake mortgage" loan risks is that developers (enterprises) are not strong in financial strength and mainly rely on bank loans for capital turnover. Therefore, when handling mortgage loan business, commercial banks should strictly examine the credit status of developers (enterprises) and choose developers (enterprises) with good qualifications and strong financial strength to cooperate. The second is to investigate and master the personal credit status of buyers. When handling mortgage loans, commercial banks should make full use of the personal credit information system of the People's Bank of China and the blacklist published by the CBRC to verify the personal credit records of borrowers and their spouses. The third is to investigate and master the development of real estate. Understand and master the authenticity of the unit cost and selling price of the developed real estate, and control the "fake mortgage" from the source.
Strict management and good mortgage registration. The specific handling branch should carefully handle the mortgage registration procedures, and the mortgage registration should be handled by two people. The mortgage registration contract shall be delivered and collected by the handling personnel in person at the real estate exchange, and the borrower, developer (enterprise) or seller shall not be entrusted to handle the delivery and collection of mortgage registration.
Strict audit to ensure the authenticity of mortgage loans. The specific handling branch shall directly handle the mortgage loan business for the property buyers, and examine whether there is an agent to purchase the house. The handling personnel must verify the true identity of the borrower and sign the mortgage loan contract face to face. The developer (enterprise) or the seller may not sign the contract and fill in the formalities on its behalf.
Implement the responsibility and do a good job in post-loan management. Commercial banks should pay close attention to the operating conditions of developers (enterprises), pay attention to the construction and sales of real estate, and report and take corresponding measures in time once they find abnormal situations in real estate construction and sales. At the same time, we should continue to pay attention to the relevant situation of property buyers, understand and master the changes in their economic situation, and verify whether there is a situation in which the same person pays monthly payments.