Analysis Of Individual Housing Mortgage Loan Risk And The Preventive Countermeasures In JiLin Construction Bank

As an important retail assets transaction, Individual housing mortgage loan is well favored for its good fluidity, a higher income rate, good property quality and so on, which also has become the position of construction bank that seize the long-term credit fund market. Presently, although the transaction of individual housing mortgage loan has got considerable development in Jilin Province construction bank, ill property is still higher. From aspect of pursuing profit and expanding property scales, Individual housing mortgage loan becomes quite active increasing spot for construction bank business in view of its higher property quality, relative smaller credit risk, and more market demands.However, seeing from the several years developing process of Individual housing mortgage loan of Jilin construction bank, this business takes on the state that the rising rate gradually slows down, and some question of restricting business development are also gradually exposed: Market demanding space is awfully large, but effective demands are not enough in actual operation; The ill loan caused by objective and subjective factors of loan person, and the situation of "a vacation loan" caused by the lack of capital credit of developer have seriously affected quality of bank loan property day by day; The longer loan term and the external environment changes will bring huge risk to bank; The loan flow is not perfect as well as the problem is about management of customer manager group and so on. If above problems can be properly solved, we will impel the development of individual housing mortgage loan for Jilin...