Study On The Relationship Between The Price Volatility And Credit Risk Management Of Individual Housing In Chinese Commercial Banks

With the development of financial globalization, China's commercial banks in credit risk management has become increasingly complex. China has shown a continued rise in house prices in recent years, After the U.S. sub-prime mortgage crisis, national house prices fell slightly and continue to maintain the state, The growing cover up the risk of China commercial banks's individual housing loans, China Although there is no strict sense of the "sub-prime", but continuing price may lead to commercial banks in the credit risk of individual housing is indeed worthy of our attention. Research and analysis of China's commercial banks to price fluctuations in individual housing credit risk management, China's commercial banks for credit risk management system reform of great significance.Based on the U.S. sub-prime crisis triggered a global financial crisis and China's current background of the continuing rise in house prices, the main focus of China's commercial banks to price volatility and credit risk management of individual housing a study of this topic. Specifically introduced domestic and foreign commercial banks, the credit risk of individual housing Theory Research and Commercial Bank of China's course of development of individual housing credit, risk management status. Using a combination of quantitative and qualitative analysis, and price volatility and Commercial Bank of China reveals the personal impact of the housing mechanism of credit risk. Analysis of the U.S. sub-prime mortgage crisis generating process, the root causes of the outbreak. Finally from the price volatility from the control and prevention of individual housing credit risk of commercial banks try to raise some countermeasures and suggestions.Through research, this paper come to our country there is a continual rise in prices of unusual volatility in the high probability of future decline, and from the control price fluctuations and to prevent commercial banks, the credit risk of both individual housing put forward a reasonable countermeasures. Through the role of the government regulation and control functions, open and transparent disclosure of information on the housing market and standardize the order of the real estate market competition to control the abnormal price fluctuations; by gradually improve and perfect the personal credit system, strengthening commercial bank's internal credit risk management, and steadily promote the housing credit the healthy development of asset securitization, strengthening government supervision and management of individual housing credit to guard against China's commercial banks in the credit risk of individual housing. With a view to individual housing for China's commercial banks to provide a useful reference for credit risk management.