China's Credit Risk Assessment Research For Individual Housing Loan Based On AHP

With the national economy uninterrupted growth, capitalization of housing distribution system putting into effect, the individual housing loans that our country commercial bank establishes help the more and more many round person housing dream. But, enlarging , the person risk appears gradually with the fact that individual housing loans business establishing the time stretching , providing a loan of all quantity's, be individual housing loans credit risks obviously most. While individual housing loans balance that our country commercial bank gives out increases by rapidly, infringement rate also begins to clamber rising. Research reinforcing individual housing loans credit risks as a result currently, science carries out the significance estimating that the commercial bank keeps watch financial risks to our country having important reality on individual housing loans credit risks rationally.Basis studying achievement to individual housing loans credit risks and risk estimate that aspect in summary home and abroad scholar is listed in the main body of a book , the carding having been in progress systematically to the relevance theory that individual housing loans credit risks appraise, emphasizes the analysis having carried out comparison on main risk estimate that method , combines and the characteristic and our country reality that individual house loan credit risks appraises, place of having structured FOAK estimating that the model, this are also the main body of a book's synthetically owing to arrangement of ideas analysis law (AHP) mixing up. Concrete process is: First, credit risks estimates that the index affects a factor and estimates that principle has ascertained the system appraising an index composed by one-level 7 indices and 27 two stage indices according to individual housing loans, use fuzzy mathematics method to build credit risks appraising a model and then on basis ascertaining the weight appraising an index in the law wielding AHP. Credit risks is main risk in individual housing loans business , the factor arouses at the same time since the person is mixing up from various uncertainty, one of the risk being also the most difficult to quantization. And estimate that the model adopt qualitative analysis to combine with quantitative analysis each other owing to that arrangement of ideas analyses law's , make use of the fuzzy mathematics method to carry out a data handling , have stronger objectivity as a result now that the experience having concentrated an expert judges,may pass the scientificalness coming to improve whose method many times tax right.In concrete reality affair, the commercial bank can enter borrower's credit condition record to structuring good model middle , take this as the credit risks level coming to ascertain a borrower the basis, administration use credit risks in carrying out credit decision-making and individual housing loans. At the same time, the main body of a book the method studying is also available do structure other appraises a model. Finally, perfect thesis our country individual housing loans credit risks estimate that model application environment has submitted corresponding suggestion.