Risk Analysis And Risk Prevention Of Personal Housing Loan Of Huarong Xiangjiang Bank

In our country, the housing reform started in90’s promoted rapid development of real estate industry, individual housing loans has become one of the main financing ways for city residents to solve the housing problem. Individual housing loans has some advantages such as strong material security, amortizing, stable income and lower risk, it plays a key role on banks to adjust the asset structure, reduce capital consumption and improve risk return. However, individual housing loans doesn’t mean zero risk, it affected by the fluctuations of economic cycle and the macro-control policies deeply, the risks shock of individual housing loans in America showed in the subprime mortgage crisis is obvious to all. In our country,the development of individual housing loans is very rapid and the scale is very huge, thus strengthening risk management of individual housing loan defaults should be paid more attention.This paper analyzes current situation and existing problems on the business of individual housing loan in Huarong Xiangjiang Bank, based on default examples.the writer takes the business data of Huarong Xiangjiang Bank for samples, using logistic model to carry on a factor analysis and discriminant analysis,and researches the default risk factors and its importance of individual housing loan empirically.At the same time, it puts forward countermeasures and recommends of strengthening default risk management and control of individual housing loan for Huarong Xiangjiang Bank, and provides a reference to improve the risk decisions for Huarong Xiangjiang Bank...