Study Of Credit Risk Management In Consumer Housing Loans Of Commercial Bank

With the development of housing marketing in our country, the scale of consumer housing loans of commercial bank is increasing rapidly. At the same time, we have witnessed an intense rise in the loan risks of commercial bank and the bad loan ratio in our country is obviously higher than that in the developed countries. Therefore, it's very important for commercial bank to solving the risk problem in the development of housing loans, as well as establishing an effective risk prevention system.The thesis study the credit risk in consumer housing loans which base on the way of risk identifying, risk measuring and risk solving, and stand on the outside management of commercial bank, study the research achievement of developed countries, apply the quantitative and qualitative analysis methods through systemically principle analyzing. In addition, by basing on the consumer defaulting behavior analyzing and summarizing the main risk factors, we can measure the credit risk of housing loans through some useful economic models.Finally, according to the research result above, we suggest three practical resolving technology for the credit risk management of consumer housing loans, such as establishing personal credit evaluation system, implementing five-grade risk classifying of housing loans, carrying out mortgage loans securitization, in order to evade the credit risk of consumer housing loans in commercial bank. Generally, the paper tries to raise some breakthrough points on credit risk management system in a concise and organized manner and brings some beneficial help in the area of credit risk management. Viewpoint from the risk prevention, this research has very important actual value and academic value.