| Since the country cancels the welfare-oriented public housing distribution system gradually and implements the housing distribution monetization policy in 1998, the real estate market in our country has experienced the thriving and prosperous for more than 10 years, the commercial banks are promoting the housing mortgage loan business, and purchasing the house via mortgage loan has also become the main means for the majority of people with insufficient own fund and house-buying demand. Due to the feature of long term of housing mortgage loan business, large business and dispersed, the term to expose the non-performing loan in the housing mortgage loan business is long with lagged feature, and the non-performing loan can be exposed at many years after the loan is released, the incidence of non-performing loan also decides the credit asset quality in the commercial bank in coming years and decades.Since the personal housing mortgage loan business is developed, the loan balance in T Branch, China Construction Bank has increased gradually. Currently, it has reached 10 billion yuan, while there are more and more non-performing loans. In recent years, influenced by the national macroeconomic, real estate cycle and other internal and external risk, the non-performing loan rate for stock housing loan in T Branch, CCB has increased gradually. In order to ensure the sustainable, stable and healthy development of housing mortgage loan business and maintain the overall operating performance, T Branch, CCB must control the non-performing rate for housing loan and implement the effective preventive measures.With the theme of the prevention on the personal housing non-performing loan in T Branch, CCB, the paper analyzes the reason for non-performing loan and proposes the corresponding preventive measures on the basis from the developer, borrower and bank via the analysis on the current status of non-performing loan for personal housing loan in T Branch, CCB. |
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