Chinese Real Estate Credit Risk Control

Along with our country the exaltation of the economic deveolp and resident's level of income, vs the demand proliferation of housing, arouse our country the top speed growth of the housing industry, especially at national housing system the reform need the guidance of policy with sustain inside the extension down, the housing industry presented good shape foreground and invested to increase fast fierce, become a new national economy growth to click.The last few years, housing industry quickly deveolp also spark a series of question, such as deveolp the capital excessively depend on the bank, the bank housing letter loan threshold to relax and housing the partial foam generate etc., this invisiblely gives the trade bank the housing industry passing of risk, therefore the trade bank faces huge housing credit risk.Because of Chinese housing credit market the system is disfunctional, the housing economic cycle wave motion by all means will result in the impact on credit market, and the trade bank housing credit risk has already bunchinged gradually. This text draws up and takes《Basel new capital agreement》as a direction and tries hard for and clinches the problem of Chinese housing credits risk approbation from the cognition, and work out the control problem of Chinese housing credit risk from the method, vs financial theory in China especially housing credit risk the theoretic abundance and shape has important meaning.Letter's lending an assets is the main assets of bank, this text will be absorbed in an our country the analysis of the housing credit risk of the trade bank.Housing borrowing, including housing consumer loan and housing development loan, respectively is with the housing press the Jie borrowing and housing's company vs the borrowing of trade bank for master, so text amid will also with these 2 types lend money for the master carry on a search. For long time, Chinese trade bank housing credit risk generous character the tool and control way fall behind, having not forminged a trade bank system with modern orientation to request cans sustain the housing credit risk generous character system of shape with keeping credit operations, is theer most disadvantageous than to evade and scatters housing credit risk.Be placed in synthesis to turn Chinese trade bank of transforming the time, should well know building price to quickly rise shroud of a great deal of risk, value a housing cycle the tune kindles of the credit risk is particularly the credit risk of housing credit operations, operation risk, policy risk and sudden sex event kindle of system risk etc., careful propel financial tool innovation, strictly letter loan standard and request, supervision enhance letter to lend capital, intensify inner-controlled system construction, continuously raise risk to defend the capability of controling. Chinese housing financial secondary market construction slow-moving, the trade bank lacks risk disperse and the tool of passing of risk and and is hard to turn loan against collateral securities to change into the assets of the fluidity and result in a great deal of credit risk concentrate at the trade bank.Therefore, aim at various factor of forminging the housing credit risk, create steady sex beacon system of the housing letter loan system risk and not the control strategy of system risk, carry out the housing credit risk generous character moderate breezes insurance control that the difference turns, so as to keep the stabilization that Chinese housing believes a loan, health, keep on deveolping.