The Research Of The Prevention Of The Mortgage Loan Of Personal House Risks

The mortgage loan of personal house comes from real estate swift and violent market of development need and the need of getting profits. So, the destiny of the mortgage loan of not merely personal house and destiny of the real estate are of close concern to each other; And personal house mortgage loan is it perfect constantly to need too. Next year, the foreign capitals bank will enter China in an all-round way, financial circles is fiercer in competition . At home, the commercialization of the state-run bank is finished basically, the private bank, trans-regional bank are appearing constantly, the contention of financial transaction will only be crueler and crueler. To the real estate of high-speed development, every large bank uses up all over the skill is fought for. Under great environment such a , settle risk well to be burden weight relation with development level of the business particularly important. Under this kind of background, the strick precaution research of the mortgage loan risk of personal house, particularly urgent, have a realistic meaning very much. So, I have chosen this topic. Hope to pass and study, the source , kind and taking precautions against intact and clear understanding to the mortgage loan risk of personal house; Summarize the working experience of practice, put forward the suggestion of improving to some strict precaution methodsThe thesis is divided into four chapters, namely the meaning of the mortgage loan risk of personal house and research meaning; The origin cause of formation and kind of the mortgage loan risk of personal house are studied; Prevention research and case analysis of the mortgage loan risk of personal house. During that time , explain after enumerating some cases. As regards a lot of research of the full text, the actual working experience too from a lot of people The thesis is started with by the meaning of the risk of the personal housing loan and research meaning. First of all , have made an introduction to meaning of the personal housing loan and course of granting , let readers have a whole impression. Secondly , carry on research to the definition of the risk , propose its essence is this view of " uncertainty of expectancy result "; Follow , has explained , corrected the views of some books in the past to the meaning of the risk of the loan , think " grant the loan risk bank unable to regain principal and interest on schedule " static result qualitative view this. This text think define so , is it reject everything grant risky fact loan to mean, have not seen the relation of the risk and income either. Finally , through the reality of particular interest to bank of real estate at present , expounded the research meaning in which the risk of the personal housing loan takes precautions againstChapter two of the thesis, is the origin cause of formation of analyzing the peculiar risk of mortgage loan of personal house, enumerate the kind of the peculiar risk of mortgage loan of personal house. Have analyse different sources of the risk of real estate, has explained the origin of the risk. In order to study to the mortgage loan risk of personal house further, I pass different categorized ways, have reflected the concrete production link of the mortgage loan risk of personal house and reflected the form,. Chapter three of the thesis, is the prevention about the mortgage loan risk of the personal house. Chapter three introductory song, has explained the whole thinking of prevention of the mortgage loan risk of personal house. Have confirmed that prevents credit risks , false loan risks, operates the risk especially. Has reflected" doing some things and leaving some things undone ", by utilizing the idea of resources high-efficiently. The whole chapter is divided into three. Section one detail the prevention of the credit risks. ; Combine two major factors that the credit risks form: Reverse choice and morals risk, the article has carried on the discussion respectively. Section two because " false pieces of loan " serious phenomenon have, operate a kind of i...