Risk Analysis And Prevention Of Housing Consumption Loan

In recent years, along with advancing housing organizational reform, the financial industry starts to strengthen the housing business under the national policy encouragement. The entire housing market presents a prosperous scene. Along with the changes of the inhabitant's income and their idea of expense, the housing consumption loan becomes to the best way to realize the housing dreams. And with the fast development of real estate industry, it also promote to our country's banking industry development. The competition of all kinds of commercial banks intense day by day. While, there are still many risks in this process, such as the borrower risk, the devaluing in pledge risk, the ahead of repaying risk and so on. Each kind of risk agglomerates day by day, and it has seriously threatened the bank security of credit property. Even it will have the adverse effect to the steady of bank fund system. Therefore, how to against the risk when we develop the housing industry is the topic issue which is worth us to paying attention.This article plans to use the contrast analysis and the demonstration analysis. It first introduced the basic concept of housing expense credit. And then it analyzed the management of housing expense credit of our country's bank and the case from abroad. After contrasting our country's circumstances and the circumstances of abroad and analyzing the shortcomings of our country in implement of housing expense credit, the article proposed some policy suggestion for the risk control of our country's housing expense credit.At present, domestic and foreign academe already achieved high level about the housing expense credit risk control research, but the contrast analysis which unified our country actual situation and the overseas classical case is few. It because our country commercial banks started the housing expense credit operation overseas so late that our country's academe is not rich in the risk controls aspect. This article attempts to analyze comprehensively and thoroughly the shortcomings of our country's commercial banks in controlling the housing expense credit operation risk in the foundation of the predecessor studies. And then unifies our country actual situation and the overseas classical case contrast analysis, proposed the policy suggestion which suits our country national condition.This article's innovation lies in: First, through analyzing one concrete commercial bank's management of the housing expense credit risk, it pointed out the deficiency in risk controls of our country's commercial banks. Second, through analyzing the deep reason of the overseas classical case and our country's similar situation which occurs at present, it put forward some revelation to our country. Finally, on the basis of above two clues, it brings forward some policy suggestion about how to enhance the ability of controlling the risk of housing expense credit for our commercial banks.