A Research On The Commercial Bank Personal Housing Collateral Loan Break Contract A Risk Management

When the housing consumption becomes new of consume a little bit hot,the center of gravity of the real estate financial business also lends money toward personal housing loan business to transfer from the real estate development gradually. This text draws lessons from the research result of western and flourishing nation,taking studying impact factor of the default risk of personal housing collateral loan as point of departure,applying the method that substantial evidence analysis and the theories analysis,qualitative analysis and quantitative analysis combine together,,trying to identify currently a main factor of influencing the default risk of the personal housing collateral loan in China,measuring its default all a rate,perfect,exaltation the commercial bank guard against the default risk of personal housing collateral loan a management level of counterplan. Pass to comb cultural heritage first,tallied up to study an our country personal housing collateral loan to break contract theories foundation. Then,investigated the development circumstance of the our country personal housing collateral loan business and break contract risk present condition and its problem of risk management,and studied to borrow funds person's default to move on this foundation because of the reason,default of the deep time borrow funds person's characteristic,lend money a characteristic and break contract the fluctuation circumstance of relativity and the loans default rate of the of circumstance and each factor,discovered their general regulations. Personal data of housing collateral loan connecting down,issuing to the bank carried on statistic sing analytical,and adopt logistic back to return model and the generous character model of the Credit metric risk to carry on a substantial evidence research towards collecting a data respectively, the system analyzed our country the main risk factor of the housing collateral loan, induce a loan community to break contract behavior occurrence in the collateral loan of mechanism,and got default of the main rights change the economic capital that risk value and commercial bank of quantity and each reputation grade collateral loan should withdraw for this loan.Combine on the foundation of above-mentioned research result, this text put forward aiming at the characteristic of the risk crowd of personal housing collateral loan, the bank should pass to improve the evaluation index sign system of personal reputation, strengthen a loan examination and approval link a management and enhance to manage means in the loan etc. measure,guard against personal housing collateral loan risk. The thesis manages from the commercial bank management respectively and financial system and policy environment two levels inquiry into how to strengthen and improve the management measure of the default risk of the personal housing collateral loan in China. See from the angle of view of commercial bank, should be worked well as follows the work of three aspects at present: on ising an exaltation understanding,the to build up default risk guards against consciousness; Two is an exaltation to break contract risk a management a technique; Three is carry on a business process reformation , the perfect risk manages an inner-controlled mechanism.See from the angle of view of commercial bank,should be worked well as follows the work of three aspects at present:Break contract risk a management a technique while ising an exaltation;Two is BE carry on the reformation,perfect risk management style and inner-controlled mechanism of the business process.See from the financial system and the perfect angle of view of the policy environment,current China needs strengthen as follows several construction urgently to:While ising personal reputation rating system which builds up in keeping with Chinese state of the nation gradually, the norm market information delivers a mechanism;Two build up the government predominance type as lord,business insurance for assist of repair the guarantee system of a housing finance with each other,the perfect risk shares a mechanism,alleviating the default risk pressure that bank faces;Three is the property stock certificate which carries out the residence collateral loan of the commercial bank housing to turn,the perfect risk transfers a mechanism;Four is strengthen legal system construction,build up a good exterior operation environment.