Individual Housing Credit Risk Of Commercial Banks In China To Prevent

With the further development of the housing system reform, the personal housing credit grows rapidly in China. The personal housing credit suddenly emerged and the proportion with the bank credit is increased day and day. 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 above mentioned, the paper studies the personal housing credit in commercial bank.The paper analyses the developing course as well as the actuality of the personal housing credit in China, and further summarizes the achievements along with shortages during the period. The paper further analyzes the risk and the causes of the personal housing credit, such as risk of policy, risk of law, risk of interest rate, risk of purchasing power and risk of industry, which are all included in systematic risk; and risk of credit, risk of management, risk of operation, risk of liquidity, risk caused by mortgage and risk caused by shortage of property right system, which are included in non-systematic risk, and illustrates the complicacy and severity of the personal housing credit theoretically.On the other hand, the paper analyses the causes of the personal housing credit from the empirical perspective, by using the factor analysis and discrimination analysis to construct the discrimination function, and sums up the conclusion that the risk of the personal housing credit is serious in China.At last, the countermeasures are put forward according to the above analysis, such as strengthening the system construction with the focus on property right, perfecting the management system of the commercial banks, improving the risk management, and constructing the personal credit system to reduce credit risk etc.