Study On The Risk Management Of Mortgages About The Commercial Banks In Our Country

Commercial bank is an important part of China’s financial system, its sustained, healthy development directly affects the prosperity, stability of China’s national economy. With the rapid development of China’s commercial banks, mortgage credit ratio increasing, collateral risk management as an important component of the bank risk management, pay much attention to financial institutions, regulatory issues. In this paper, from the information economics, the theory of risk management, the new Basel Capital Accord perspective, first introduced the concept, function and collateral collateral of the origin and the development, analysis the basic principle and the conduction mechanism and products play an important role on the commercial banks, the commercial banks mortgage risk management theory, the related literature analyze, summarize, and then put forward the objective, meaning and motivation for risk management, combined with China’s commercial banks mortgage risk management present situation, through the case analysis, pointed out our country commercial bank collateral risk management problems. It’s good for guiding China’s commercial banks to prevent the risk of collateral, and it has theoretical and practical significance to enhance all-round risk management level.