A Research For Measures Against The Risks Of Loan For Housing In China

In the last decade, the real estate developed in a fast step in China, which gives the most contribution to increasing the GDP. The fast development brings the rapid growth of loan for housing accompanying the dealings out of line that brings more and more risks to commercial banks. Therefore, at present stage, the commercial banks need to re-know the risk of the loan for housing, taking measures against the risks to keep a normal environment for the development of real estate industry. Firstly,the writer introduces some typical models of housing loan system in the world, analyzing the theory of risk management of loan for housing combining the present condition of the housing loan market in China. Secondly, the author analyzes influence factor (11 main factors ) about the housing loan risks. This thesis makes use of the misty mathematics method to build up personal reputation valuation model. Moreover, this text put forward several kinds conceive in order to perfect the insurance of housing loan in China. Thirdly, the writer relates that banks and government need to strengthen the internal management preventing from "false housing loan" while the commercial banks need to keep the law risk of the indetermination away and prepare for the data for the stock certificate turn of housing collateral loan. Finally, the paper takes a prospect of the development of the housing loan market in the future. The paper makes use of the periodical theory, pointing out that the China's housing loan risk prevention also presents a character of period. The paper builds up personal reputation valuation model to prevent the risk of breaking contract. The paper uses innovating theories analyzing the risks of internal management.