The Analysis And Control Study On The Main Risk Of The Individual Housing Loan

It is not long that the business of the individual Housing Mortgage loan launchestime in our country, but the growth trend is swift and violent. Its risk appears day by daytoo.This text classifies the demand according to the risk of the agreement of new Basel,has analyzed to four kinds of business risks of credit of individual house one by one,have put forward the corresponding strick precaution, dissolved, controlling, shifting themechanism to build the suggestion. Have made brief analysis and controlled thesuggestion on the policy risk and legal risk. I think, the credit risks are the greatest riskthat the home mortgage face, therefore, it is the focal point that this text studies.Through using the information asymmetry theory of micro information economics, andthe chess match model of the individual home mortgage risk, is it think to analyses, thecredit management system of the individual morals and disappearance of the creditappraisal system of personal assets have aggravated the credit risks, and the informationasymmetry is the main reason that produce credit to lack. In order to solve " morals risk" and " reverse choice " problem, need to set up incentive mechanism and signal andtransmit the mechanism. In view of the above, I build the current situation to ourcountry's present personal credit system, information standard in credit, gatheringprocessing method, establishing, tied mechanism in breach of the evaluation system, "the signal transmitted " such respects as the means and laws and regulationsconstruction, etc. put forward the suggestion;And perfect the objective situation ofneeding time to the setting-up of the system of macroscopical individual credit of ourcountry, propose consulting the concrete demand for " new capital agreement of Basel ",set up the banking of our country and retail and open idea and step grading the systemwithin the mouth. Afterwards,on the basis of the thing that analyzed to the individualhouse credit line real example of Construction Bank of Xingtai, adopt course controltheory thought, management systems approach and method based on fact decision, haveput forward the frame accusing of the system in the risk management of commercialbank of setting up.Finally,I shift to the risk and another scattered effective financial instrument --Goon it pay close attention to secured loan securitisation, at comparative analysis mode oftwo kinds (in balance sheet, outside balance sheet form) securitisation and suitabilityafter, have done the frame design to the home mortgage securitisation mode selectionand scheme of the Construction Bank.