Study On The Default Risk Management Of Personal Housing Loan Of SPD Bank

Personal housing loan early has become the most widely form on loan in the word, the time that individual housing loan developmented in our country is not long,, but in recent years as China's economic system changeing,rapid development of industrialization and urbanization, China personal consumer loans, and the rapid growth of individual housing loan accounts for the largest, therefore, to individual housing loan default risk management and control for China's economic and social development to have the important meaning. And in 2007, the U.S. subprime mortgage crisis on virtual economy and real economy at home and abroad, the huge impact to pay more attention to individual housing loan default risk prevention.On the the foundation of definating related concept on personal housing loan's default risk, this paper analyzes the present situation and the illustrates the individual housing loan default risk of basic theory, and then existing problemon of SPD bank'S individual housing loan default risk management, Through personal housing loan from the domestic and foreign research results and combined with Shanghai Pudong Development Bank individual housing loan, this article from the practice of the borrower characteristics, characteristics, real estate loans features three dimension build personal housing loan default risk evaluation index system, the selection of the gender, age, the loan amount, loan to value ratio, housing total value of means of reimbursement, such as a variable, the use of software 15 SPSS 16.0 the factor analysis, Logistic regression analysis to individual housing loan default risk the influence factors of the empirical analysis, and eventually got personal housing loan default risk management of related conclusions. Finally from the domestic and foreign experience, and at the same time basis of this article researches and analysis results are brought forward in the future SPD bank for personal housing loan default risk management and control policy Suggestions for our country to commercial bank individual housing loan default risk identification and control to provide certain guidance.