The Research On Housing Loan Liquidity Risk Of Commercial Bank Preventing

In recent years, with our country housing system reform unceasing advancement, the national economy continuing fast to grow and urbanizing advancement speeding up, the total quantity of China real estate development has occupied the first in the world, and the credit demand is extremely huge. The commercial bank housing loan has the superiority in improving credit assets'quality comparing with other credit varieties, which is the basic reason that various commercial bank enlarges the investment in abundance at present, fighting for the housing market with all one's strength. But with the unceasing development of the housing loan total quantity and with the character of expensive value, the deadline long, the poor liquidity, the strong policy-type, as well as the housing loan business development time is not long in our country at present, the housing loan insurance, two levels of markets growth will be seriously insufficient, the commercial banks lack the risk disperser and the shift mechanism situation, they will cause the housing loan risk to accumulate day by day in the commercial bank and appear gradually. The housing loan liquidity risk is one kind of important risk, and this kind of risk once forms, which will rapidly expand, even endanger the entire financial system and even the entire national economy stability and advancement.This article obtains from the housing loan liquidity risk definition and the characteristic, synthesis and utilization economic, finance the correlation theories knowledge, and I adopt the way which the quantitative analysis and the qualitative analysis, the system analysis and the comparative analysis unifies. First I introduce the forms of the housing loan risk, and then analyze the present situation of the risk, and from macroscopic, microscopic and the psychological angle detailed research and has analyzed the factors which is caused the commercial bank housing loan liquidity risk, finally this article aimed at each kind of reason which is analyzed, and unifies our country at present the housing loan business actual situation, and adopt suitable overseas banking industry's advanced experience, I establish the early-warning mechanism and propose the corresponding countermeasure. to the commercial bank housing loan liquidity risk .