Study On The Risk Management Of Personal Housing Loan Of Chinese Commercial Bank

With the further development of the housing system reform in recent years,the individual housing loan grows rapidly in China.The personal housing credit suddenly emerged and the proportion with the bank credit is increased day and day.Because of its reliable guarantees,comparatively high profits and lower risks,the individual housing loan business has got more popular in commercial banks and it has become an important credit business of our country commercial bank,and it has played more and more important role in perfecting commercial bank assets structure and improving operation performance.At the same time,the bad loan of the personal housing credit is climbing with the rapid development of the personal housing credit in commercial bank, and the risk of the personal housing credit appeared gradually.On the base of the mentioned above,the paper carries out an analysis of risk management research and put forward countermeasures on the individual housing loan of China's commercial banks, hoping to improve the risk prevention capacity of China's commercial banks,promoting the healthy development of the housing loan market.This dissertation reviews the development of individual housing loan in China, with the further carry forward of the housing loan system reform,China's real estate over the next few years will maintain rapid growth that will bring more opportunities for individual housing loans market.It analyses China's commercial banks to the status of individual housing loans by the U.S.sub-loan crisis led to an urgent need to strengthen our country's risk management of individual housing loans.Followed by ChapterⅢ,it analyses the China's individual housing loans detailed on the risk and the causes of risk of commercial banks,from the two major aspects of internal and external risks posed classified research,as demonstrated by the risk of moral hazard,credit risk,the development of caused to the risk of borrowers caused its own risks,legal risks,etc.,from the theory my thesis elaborates the risk of individual housing loan of China's commercial banks is on the complexity and seriousness.In ChapterⅣthe counter measures are put forward according to the above analysis,from two sides of commercial banks,such as perfecting the Risk management techniques,improving Dynamic regulation of Post-lending Management,establishing mechanisms for dealing with breach of contract,setting up personal credit rating system, and constructing the personal loan two-tier security system,strengthen the rule of law etc.In a word,on the basis of studying the risk management advanced experience of the foreign personal housing loan,fully contacting China's personal actual conditions, promote and develop set up a multi-level risk management measures,guarantee the health sustainable development of personal housing loan of our country.