The Risk Research Of Individual Housing Loans In TRCP Bank Midong Branch In Xinjiang

Xinjiang 's economy is fragile than that of other developed regions.The key is to maintain a stable economy in Xinjiang.Housing industry and banking industry are the leading priority under uncompleted laws concerning housing loans,business industry banks set policies in the interest of personal loans.Therefore,future study on risks and prevention of personal housing loans of Xinjiang 's commercial banks is meaningful.Through internship and research concerning TRCB,conclusions are as follows: Non-performing loans build up with the development of personal housing loans in TRCB MiDong branch.Therefore,default rate rises.Second: TRCB faces following risk: confidence risk,interest rate,mortgage risk,operation,liquidity risk,policy risk,confidence risk is the most dangerous.Third,uncompleted management system;loophole after lending money;weak consciousness;Fourth,risk faced by TRCB were partly caused by exterior reasons and partly by mortgagor itself.