Research On The Credit Risk Of Individual Housing Loan In Bank Of Fuxin

Personal housing loan to promote the rapid development of China’s real estate industry, greatly improved the living conditions of the people, but also hidden credit risk can never be ignored. Article comprehensively summarizes the Bank of Fuxin individual housing loans credit risk status, in-depth analysis of the cause of Bank of Fuxin individual housing loans credit risk, and draw lessons from foreign Banks management experience fuxin is proposed on the basis of the prevention and the countermeasures to solve the problem of credit risk, the countermeasures including: actively promote the construction of social credit consciousness and credit mechanism, perfect the Bank of Fuxin borrower risk prevention mechanism, perfect developers Bank of Fuxin risk prevention mechanism, strengthen the Bank of Fuxin internal management, establish Bank of Fuxin individual housing loan credit risk control system, etc. These countermeasures and Suggestions for Bank of Fuxin fully recognize hidden personal housing loan credit risk, to take effective measures to maintain financial stability has important practical significance.