The Risk And The Risk Management Of Our Commercial Bank's Personal Housing Loan

With the reform of the housing system having deepened and the fervency of the city and town dwells buying house going up step by step in China, the financial business of individual housing consumption has been developed rapidly. Because of its reliable guarantees, comparatively high profits and lower risks, the individual housing loan business has got more popular in commercial banks and it has become an important credit business of our country commercial bank, and it has played more and more important role in perfecting commercial bank assets structure and improving operation performance. However, during the period of developing personal housing loan business strongly, with the scale of this loan ceaselessly expanding, the existing problems and risks in the individual housing loan business are also revealed step by step . Security, fluidity and profit is credit management principles of the commercial bank ;however ,at the present individual housing loan infrastructure construction is backward and personal credit system is not yet to establish; moreover , the individual housing loan business has such characteristics as loaner being many, range being broad, fluidity being bad and the risk guard mechanism is not perfect adding some reasons about market, these have brought the hidden danger of risk for the commercial bank in the certain degree. Under this situation, combining with the fact of individual housing loans business in our country commercial bank, this paper has carried out careful analysis on the situation and the cause of the current financial risk which Commercial Bank will be facing when provide loan to people for housing, Pointing out nine kinds of risks which the individual housing loans face, including borrower risk and real estate develops business risk, and six kinds of risks' cause, including choose backward and moral risk, and has tried to find a practical way to prevent and solve the risks, and provide a reference to perfect risk administrative system about individual housing loan of our country commercial bank.