Study On Risk Management Of Personal Housing Loan In China

This thesis analyzed the present situation and the cause of formation for the risk of personal housing loan in our country with the methods of actual evidences and data analysis, etc. , trying to probe into the building of the precaution system against the risk of personal housing loan in our country in macro and micro point of view.At first, proceeding with the basic concept of the precaution against the risk of personal housing loan, this thesis introduced the basic theories step by step, from related theories of financing loan and risk to personal housing loan and risk, then to the risk identifying method, and the technology and instrument of the risk management.Secondly, this thesis introduced the advanced experience in the risk management of personal housing loan in developed countries, including the risk identification, measurement, and analysis on personal housing loan in brief, especially the complete data and modern information treatment means, professional social credit appraising institution; at the same time, this thesis also analyzed briefly the precaution system against the risk of personal housing loan in developed countries: generally, these countries have abundant housing credit products, developed secondary market of credit, perfect mechanism of government guarantee, strict treatment means for the violation, and sound legal and welfare system.The inspiration on the risk management of personal housing loan in our country can be drawn from the detailed analysis on that in developed countries.And again, this thesis analyzed more roundly on the risk of personal housing loan in our country, reviewed the development course of housing loan business, and analyzed the basic situation of the current development, enumerated the main manifestations of the risk of personal housing loan, and especially, analyzed the roots that caused the risk profoundly in aspects of the deficient national policy and supervision and control, deteriorated social credit environment, the senselessness of personal good faith, and forceless control inside commercial banks, etc.At last, this thesis proposed the basic structure of the precaution system against the risk of personal housing loan in our country, designed and elaborated all roundly on social credit system, personal...