Innovation In Personal Housing Mortgage Loan

Innovation is the effective way for domestic bank which can improve the personal housing mortgage loan environment of competition,but now it is subjected to insufficient macro-policy and immature microcosmic conditions. Based on law and regulations of personal housing mortgage loan, this text analyses the question which exists in the personal housing mortgage loan market, put forward to thinking and risk ,and for example China Merchant Bank.,pose the thought of innovation.The personal housing mortgage loan is a non-typical guarantee form of material right actually, which be regarded to mortgage in low and regulations. Although seven kinds in China, but they are fixed relatively. The phenomenon of different bank selling same financial products and the support of technique and so on is vary seriously. If supervision can not give more looseness policy and innovate the way of management, vivo-sphere of domestic bank will be narrow day by day. Owing to stagnant of supervision, financial market will be also no order. So innovation is a general trend. In text, author excavate the new development of internal and external. According to experience of working, the author put forward to idea of innovation. First, the supervision should perfect the rules and regulations, abandon those which can not adapt economic development. The Second, set up the risk cultural which must be observed. The third, realizes the financial combine under the supervision guarantee. The forth, rate should connect market quickly and mechanism of fixed price should be completed. The fifth, internal process of bank should be readjustment in order to raise the ability of reflection and risk control. The sixth, innovates financial products under the policy. At same time thinking the risk of policy, mobility, acting and supervision due to innovation, author discuss and its distinguish and appraise and supervision, so as to it construct the whole structure with above contents.At last, the author put China Merchant Bank into practice in attempt to pragmatic. The China Merchant Bank enhance the force of developing products in recent years. It does many beneficial attempt in machanism, framework and process in order to probe the load the personal housing mortgage loan expand well.