A Membance For Borrowers’ Risk In Commercial Bank Persennal Housing Mortgage

With the rapid development of real estate industry and commercial Banks personal housing mortgage loan project of opening to the outside world, the non-performing loan of individual housing mortgage loan risk has become the focus of commercial Banks. This article from the commercial Banks to analyze the personal housing mortgage loan mortgage, focuses on itself from the borrower default risk. In this paper, based on the analytic hierarchy process (ahp), the analysis from the borrower’s own risk factors of strength, the factors influencing the borrower repayment credit model is set up. In order to get accurate data, using the way of questionnaire to collect from various commercial bank employee data as well as the personal housing mortgage borrowers. For each data collecting and analysis, summarizes the factors that affect personal housing mortgage borrowers default. According to the problems of personal housing mortgage loan borrowers default put forward the corresponding solution countermeasures. To improve the awareness of the Banks to default risk, improve the Banks’ internal risk management control.