By The U.s. Subprime Mortgage Crisis, China's Commercial Banks Personal Loans Risk Management

The financial crisis triggered by the sub-loan crisis in US has been intensifying, spreading from the US to the whole world, from the developed countries to the new emerging market countries and the developing countries, from the fictitious economy to the real economy. The Chinese government proposes to focus on growth by expanding domestic demand, especially in real estate industry. In such a situation, it makes senses to learn from the sub-loan crisis and intensify the risk management of mortgage loan in China, ensuring the healthy development of real estate industry.First of all, the thesis introduces the theory about mortgage loan risk. Then, it reviews the implication of the sub-loan crisis to mortgage loan risk management. Based on author's experience in managing mortgage loan risk, the main risks of mortgage loan and the management situation are classified and the causes are analyzed through case study. The thesis also proposes specific risk management measures and finally makes suggestions. The thesis recommends that the most important thing is to improve the risk management by the banks, meanwhile the regulatory authorities should play a more important role and the borrowers should be more aware of risk. So we can construct a complete system against risk and make sure healthy development of mortgage loan business.