The Analysis About Credit Risks Of The Commercial Bank Personal Housing Loan

With the further enhancement and improving of the national macro adjustment and control policy, and the shareholding system transformation work of state-run commercial bank one is deepened gradually, the risk question of the personal housing loan becomes one of the focuses that people pay close attention to more and more. The risk and the personal housing loan of the commercial bank are shown as the credit risks mainly. This text has carried on detailed analysis and exposition to this question from such respects as behavior, origin cause of formation, countermeasure of taking precautions against of the credit risks of personal housing loan of the commercial bank, etc., hope to have some inspiration and reference function to the credit risks which take precautions against and dissolve the personal housing loan of commercial bank.The article is divided into five parts altogether:In chapter one some main concepts that are involved while describing are defined at first for put up a concept platform for the following discussion. These concepts include credit risk, and risk of commercial bank and risk of personal housing loan of commercial bank. To commercial bank, the existence of the risk is objective, and general too, as one of the cores of market economy, the credit risks of the commercial bank are shown as the set credit risks more.In chapter two it enumerates the concrete behavior of the credit risks of personal housing loan of commercial bank which mainly includes debtor risk, real estate risk that developer bring, risk of housing price fluctuating, bank manage risk that cause improperly, mortgage assess, assert, risk that handle, the risk that the policy change of the national interest rate brings.In terms of information economics information asymmetry, go on theory analysis to personal housing loan reason that credit risks produce at first, then analyses the concrete reason which causes the credit risks from six respects: First, social whole credit consciousness is faint; Second, the omission of the credit system of the personal housing loan; Third, the defects of the developer and development item oneself and market development are imperfect; Fourth, the trade market of the mortgage is unripe, and the mortgage secondary market of the house is not active; Fifth, credit is not perfect in management inside the bank, and it is imperfect to control degree inside, managerial skillcan not catch up with; Sixth, relevant between perfection and personal credit legal disappearance of system of laws and regulations. While analyzing the reason why the credit risks produce, do not confine to two relevant sides directly of banks and customers, it analyses on society, economy, law heavy background to put credit risks.As the key part of the article, chapter four aims at existing phenomenon and reason, and has put forward the countermeasure of taking precautions against the credit risks. The improvement of the macroscopic environment of social credit plays an essential role in micro credit environment of the personal housing loan. I put forward the credit consciousness that should be improved the whole society first, set up the laws and regulations correlated with perfection and personal housing loan at the same time, as well as set up personal reference and credit rating system, appraise personal credit scientifically. As taking precautions against the subjects of the credit risks, the commercial bank is sound and standardizing the management system of the credit risks. It is also very important to set up the risk of the same trade or business and take precautions against the mechanism; Meanwhile, we should perfect the loan guarantee system of personal house, promote the sound development of the secondary market of the home mortgage, share the mechanism, perfect the mechanism of the business insurance in risk of setting up the personal housing loan, for taking precautions against credit risks, reduce loss, bank of assets expect and loss competence will play an important role even.As to the application of the analysis result, two typical cases are enumerated in chapter five, and analyze, which is meant to inspire and help the comrade engaged in concrete work to some extent.