Commercial Bank Risk Management Of Individual Housing Loans Under Sub-prime Mortgage Crisis

In March 2007, with the second-largest U.S. sub-prime mortgage lenders-new world of financial bankruptcy, the U.S. sub-prime mortgage crisis. The rapid expansion of the crisis on the global financial markets caused a huge impact, and ultimately affected the real economy. The crisis comes from has long been considered an insignificant risk of high-quality assets-a large number of mortgage defaults, which triggered a people's food for thought.Since the reform and opening up, China's rapid economic development. With the sustained and rapid economic development, housing prices have also since 2002 up to now has remained high, housing prices rose much higher than the population.growth in disposable income, resulting in individual housing loans in this business a great demand for bank loans. Domestic commercial banks to seize this opportunity to develop individual housing loan business, to the end of 2008, individual housing loans reached 3.2 trillion.The irrational real estate prices rises, the rapid development of individual housing loan business, prosperity lies a great risk. Once the real estate market bubble burst, China will face what kind of situation?This paper first analyzes the U.S. sub-prime mortgage crisis causes and effects, and then the analysis of China's housing loan status and risk characteristics. As well as commercial bank loans for individual housing status of risk management, and put forward our individual housing loans to prevent the risk of individual housing loans to commercial banks to strengthen risk management of specific recommendations. Reach the promotion of commercial banks, sustained and steady development, the promotion of China's financial markets and the healthy development of the real estate market.Full-text content is divided into six chapters:Chapter I Introduction, briefly describes the research background of this is to study the significance, main content, research methods, and relevant literature were reviewed at home and abroad, in the chapter concludes with the existence of this as a possible point and the lack of innovation Department. Chapter II, analyzed and studied the U.S. sub-prime mortgage crisis, the development and impact and focuses on the causes of the sub-prime crisis, analysis, thus revealing the U.S. individual housing loan risk management deficiencies. Chapter III, has analyzed the current situation of China's real estate market, China's individual housing loan market in the development of the status quo, through the discovery of two markets in our country and the sub-prime crisis, former United States similarities, revealing the risks of individual housing loans in China, drawing on the U.S. sub-credit crisis, the lessons learned to prevent the occurrence of a crisis in our country. The fourth chapter has analyzed the individual housing loans, credit risk, operational risk, market risk, with a view to later be able to make targeted individual housing loans of commercial banks, risk management specific recommendations. Chapter V, to a certain branch of Bank of China in Chengdu, for example, analysis of China's commercial banks the risks of individual housing loans and risk management, identify China's commercial bank risk management shortcomings. Chapter VI, combined with the U.S. sub-prime crisis, the lessons learned with the foreign advanced management experience the risk and put forward to strengthen our commercial banks in housing loans to individuals specific recommendations for risk management.