Credit Risk's Synthetic Evaluation On The Personal Housing Loan Of Hebei Province Commercial Bank

With the further development of the personal housing credit,the personal housing credit risk grows rapidly. How to will control and the management risk becomes the problem of the personal loan service whether healthy development and the operation and the competitive ability in the future of the Commercial bank.This article has the personal housing credit loan since the Hebei Commercial bank sets up person housing credit loan service as the object of study, take the personal housing credit risks as the research content, It is through to analyzes the housing credit borrower's characteristic and loan's characteristic ,to appraisal the possibly influencing factor of borrower credit risks in the Commercial bank, and carries on the analysis of using the factorial analysis method to the Hebei Province Agricultural bank individual mortgage data, establishes the quality synthetic evaluation function, obtains the value of the influencing factor and the influence direction, and has established individual credit grading model. This paper has provided the theory basis for our country Commercial bank individual housing credit risk appraisal, and has carried on the practice exploration.