| At the beginning of 80's in 20 centuries, our country government carried on a market reform of housing distribution policy into market system. Under the function of market regulation, the house price has increased an exaltation continuously because the real estate development company pursues to maximize benefits. On the other hand, town residents with lend wages income can't satisfy the housing need.The load way of mortgage has been adopted in southeast foreland of our country to solve this embarrassed condition,. Through this way, the development and sell of house, the bank and the purchase have been contacted. the fund defect of house-buyer has been remedied, and also, the safety and usage efficiency of bank funds have raised. Now, mortgage has become the main path that the national town residents purchase house. At the moment of the whole country expands to press mortgage extensively, the risk of bank also gradual enlargement..In order to elaborates the methods of the guarding against risk of personal housing business according to the mortgage of bank, four parts have been discussed in this article: the meaning of mortgage system, involving law relationship, substance and characteristic, and the condition of applying for mortgage have been explained in first part. Secondly, the quality and implement state of personal housing mortgage in Gansu have been analyzed through the investigation of personal loan of Bank of Communications Lanzhou Branch, Lanzhou Commercial Bank, and China Industrial And Commercial Bank Gansu Branch. the special questions of personal housing mortgage existed in Gansu have been mentioned in details. The third part has summed up the law risks with which the commercial banks are faced in personal housing mortgage process especially in Gansu. At the last part, the concrete methods of the guarding against risk of bank in personal housing mortgage have been suggested and this will be conducive to solve the practice problem in work.
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