Problem And Solution Of Residential Mortgage Loan Of Commercial Bank In Jilin Province

The real estate industry and housing financing service havebecame the important impetus for improving residents' housingconsumes, increasing national needs, controlling the trend ofdeflation, keeping national economy increasing since ninthfive-year plan. Housing and real estate take on strong increasing tendencyand gradually develop into the support industry of nationaleconomy. As the representation of housing commercial operation,Commercial bank housing consumer loan's fast development hasgreatly improve resident's ability to buy houses, and alreadybecoming the signify means to achieve housing consuming aheadof schedule. In the other side, the development of commercial bankhousing consuming accommodation has clearly effects onreforming structures of bank's credit assets, increasing quality ofcredit assets. At present, bad debts of commercial bank are stillrather high, however, commercial bank send loan to traditionalconsumers (the one who face to product field clients) verycarefully. From the point of view of pursuing profit, enlargingassets scale, housing consuming loan becomes the pretty activepoint of growth of commercial banks because of its high assetsquality, rather low risk of credit and market's bloom needs. However, from the process of development about fourstate-owned commercial bank housing consuming loan in theseyears in Jilin province, housing consuming loan's operation hastaken on the tendency of lower the increasing speed and someproblems about restricting operation development of housingconsuming loan has gradually expose: Though market's needs isbig, valid needs of real operation is not enough; the methods ofmanaging loan products are separate, marketing cost is ratherexpensive and income of the bank isn't guaranteed, clients are notsatisfied with trifles of transacting process; Because of deadline ofloan is fairly long, market's change bring huge risks to banks'mortgage loan. Because of developers' fund shortage, phenomenaof tricks and peculates have taken place in bank housingconsuming loan, it effect the quality of the bank loan assets. Thesolutions of above problems will greatly improve the developmentof the commercial banks' housing consuming loan, satisfy bothsides of banks and consumers and ensure the health devotement ofhousing consuming loan operation. Based on the above important factors about housingconsuming loan, the thesis bring many questions includingestablishing housing client's credit estimation to use this tomanage different scale clients, enriching kinds of housingconsuming loan, solving housing consuming loan's shortage ofvalid needs; According to the properties of long deadline ofhousing consuming loan, big fluctuation of guaranty's value,closely connecting with housing items and the methods of realestate items evaluated market, we can establish personal housingevaluation model to prevent the risk of guaranty's fluctuation.Using the connection of real estate's loan and consuming loan andmethods of running capital closely and increasing penalty cost ofdevelopers to prevent the trick risks. The main content of this thesis includes several sides below:Analysis of main problems which effect the developmentshousing consuming loan 1.The summarize, kinds, magnificent and microcosmiceffects of housing consuming loan; 2.Introduction of commercial housing consuming loan'sdevelopment; 3.Point out the principal factors and effects of controllinghousing consuming loan; 4.Bring out the central contention and basis methods in thisthesis.Establish the evaluation system of housing consuming loanand solve the shortage problems about valid needs 1. Present the content and structure of housing consumingloan 2. Using marketing theory to carry out the methods ofmanaging different scale clients 3. According to consumers' evaluation systems to enrich...