Risk Analysis Of Individual Housing Loans Of Bank Of China Tianjin Branch

Individual housing loans of commercial banks the risks of commercial banks in the process of an important risk of all the risks in commercial banks occupy an important position. The risks of commercial banks, the risk of individual housing loans classified according to different criteria can be divided into different risk categories, this article draws on the demarcation of most domestic scholars, the risk of commercial banks into credit risk, collateral risk, the bank's internal risk management , interest rate risk, economic risk, liquidity risk and legal risk.Credit risk mainly include forced to default risk, rational default risk and the malicious breach of contract risks; The risk of collateral projects mainly include the project risk and the disposal of collateral risk; Bank's internal management risk mainly include the risk of pre-loan review , post-lending management risk and staff moral hazard. The risk of different types have different risk characteristics, credit risk has the following five major features: the inevitability of a passive nature, compleity, and the lag; the risk of collateral has the following three main features: the policy factor, objectivity and difficult to measure; commercial banks'internal management risk mainly include the following three features: hidden, can be found of and can put an end to it; interest rate risk, economic risk, liquidity risk and other risks also have three main characteristics: the impact of large scale , the impact and the consequences could be serious. The risk of individual housing loans formation mechanism, the passive default risk is due to macroeconomic changes, the change of the borrower's family, living and working conditions, it has an objective character; Subjective risk of default, default risk of malicious and prepayment risk is the borrower's personal lower credit, it has non-objectivity. The risk of collateral formation was mainly due to a certain moment the balance of the mortgage loan and the value of collateral caused by the difference between the tow, the occurrence of the risk is mainly due to the borrower's lack of credit. The risk of the internal management of commercial banks was mainly due to the imperfections of the internal management system led to the deterioration of the risk management structure, thereby creating opportunities for personal profit, in the oversight mechanisms and risk measurement under the condition of backward technology, the chance can be realized by the internal or eternal staff. In risk prevention, the developer of the commercial banks should carry out credit rating, improve credit rating of individuals in order to eliminate or reduce the risk of malicious breach of contract, the introduction of the insurance mechanism, such as collateral security market, and improve relevant systems to promote individual housing loans of securities to prevent personal collateral risk housing loans. Strengthen internal supervision, set up risk control center to improve the risk management system and improve the methods of risk measures to guard against the risk of internal management. Strengthen the research of macro-economic, political, and legal to guard against interest rate risk, liquidity risk and economic risks and other risks.