Research On The Preventing Risks Of Personal Housing Loans Of Z Bank

With the rapid development of Individual housing loans market, for its high profit,Family house mortgage loan is quite favored by Z banks and others. Especially after breakout of the global financial crisis caused by subprime mortgage crisis,causing certain risks to the commercial banks.So,Risk control and management of the family house mortgage loan is urgent,which is the key link for healthful development of commercial banks.What is more,it is imperative to strengthen management risks of family house mortgage loan.From Z banks individual housing loan business has been carried out, all kinds of cases have occurred. In the early progress of individual housing loans, risk prevention awareness of Z banks is weaker in risk management, and there were other factors have contributed to many problems. Therefore, this paper of the Z bank housing loans to individuals engaged in the operation and management experience to Z banks for the purpose of a credit risk control, analysis of the Z Bank risk because of individual housing loans, and domestic and international success of its risk management practices.At last, putting forward risk control measures of Z Bank individual housing loan.This article is divided into six chapters, Chapter one is the introduction; chapter two is housing loan risk management theories; chapter three analyzes the status of bank housing loans; Chapter four is Commerce Square XXX loans for specific cases of individual housing loans to bring false risks, causes and enlightenment; Chapter five is Proposed risk control measures of.individual housing loans to commercial banks; Chapter six is the conclusions and prospects.