| December2012, the Central Economic Work Conference that urbanization is the historical task of China’s modernization, but also the greatest potential for expanding domestic demand, should actively guide the healthy development of urbanization, the current "national plan to promote the healthy development of urbanization " has also been reported Department of State. In the new urbanization has risen to national strategies macro backdrop, the domestic banking sector for the changing needs of business model also set off a wave of momentum to develop retail business. At the macro backdrop and jointly promote the development of the industry trends, the individual housing loan business is bound to be rapidly developed into a major commercial bank assets business and profits, but with the expansion of business scale and the real estate market and fixed-asset prices increased uncertainty about changes in personal housing mortgage business will enter a peak period of exposure of commercial banks’asset quality and profitability impact, so personal housing mortgage loans by studying research situation in our country of origin and the development process, risk analysis and current business model and risk management problems, at the same time learn from foreign advanced experience fully integrated on the basis of China’s actual situation, and finally from the establishment of a mature complete personal credit information system and unified, standard personal credit rating mechanism, so as to promote the awakening sense of integrity and the integrity of social formation, and vigorously promote our personal housing mortgage loan securitization work, establish and perfect the system of government guarantees and the three aspects of the insurance business organizations put forward corresponding measures and the improvement direction help commercial banks to improve their risk management capabilities to guard against possible risks with strong necessity... |
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