Study On The Personal Housing Loan Risk Management Of Commercial Bank

The personal housing loan business is a new developing variety of business that is developed in recent years. Its low bad debts rate showed in short period caters to commercial bank in improving capital sufficiency. As a result, it causes the marketing upsurge. However, without clear-headed cognition on the risk and ripe risk management skills the commercial banks follow up blindly, which brings many hidden dangers.Risk management is the eternal theme in the business activities of the bank. For the purpose of reminding the commercial banks to pay more attention to the risk of personal housing loan and making suggestions for the commercial banks and other relevant policymakers, the thesis adopts real data to demonstrate the actual risk degree and unfavorable effect. At the same time, here we use the advanced experiences of other countries for reference to seek for how to introduce the tactics of risk management into the personal housing loan business, and try to structure an integrated risk management frame that involving the commercial banks and the society, finance, policy environments.This paper consists of five chapters:The first part reviews the theoretical foundation of risk management, including the strategy frame of risk management, as well as the concept, characteristic and category of credit risk.In the second part, the development of the personal housing loan is presented. Besides, this chapter analyzes the root of the risk deeply. This offers the theoretical foundation for the following research.The third part adopts real data to illustrate the state of Nanjing's personal housing loan risk. In order to prove necessity and urgency of risk management, the author selects five angles to analyze the potential risk, namely, regional real estate cycle, purchasing power of the residents, speculative motive, the capital market and the trend of interest rate.The fourth part introduces the advanced experiences in personal housing loan risk management abroad as enlightenment for our country. This chapter is to pave the way forthe ensuing countermeasures in the last chapter.In the end, the author conceives how to perfect the personal housing loan risk management frame of our country. The key to the question is that stricter and more active precautions should be taken. Furthermore, it is also required that other correlative social departments should participate in the risk defense collectively cooperating with the commercial banks.