Research On Risk Control Of Individual Housing Loan In Commercial Bank

With the further development of the housing system reform, the personal housing loan grows rapidly in China. The individual housing loan suddenly emerged and the proportion with the bank credit is increased day and day. At the same time, the bad loan of the personal housing loan is climbing with the rapid development of the personal housing loan in commercial bank, and the risk of the individual housing loan appeared gradually. On the base of the above mentioned the paper studies the risk of individual housing loan in commercial bank and tries to find some way to avoid them.Our country follows five levels of classification to the credit property risk division: normal, attention, suspicious, secondary and loss. According to what produces the risk, we may classify individual housing credit risk in our country as follows: developer risk, project risk, creditor risk, mortgage risk and bank operation risk and so on.By researching on present situation of individual housing loan's development and management in our country, it analyzed the reason of individual housing loan's fast development in our country, contrasted the distance between actual operation and the fundamental research, summarized our country commercial bank individual housing loan's experiences and lessons, theoretically elaborated the complexity and the gravity in individual housing credit risk of commercial bank in our country. According to the risk and the management in our country's individual housing credit, it tried to find out the reason of risk ambush and increase. It manifested as the information is not transparent, the market behavior and the supervising and managing are not standard, the credit system and exterior legal system imperfect is not well and so on. But for the bank's reason, internal management system backwardness also formed main reason of individual housing credit risk, created the individual loan risk.On the other hand, it analyzed the causes of the personal housing credit from the empirical perspective, by using the factor analysis and discrimination analysis to construct the discrimination function, and sums up the conclusion that the risk of the personal housing loan is serious in China.At last, the counter measures are put forward according to the above analysis, such as strengthening the system construction, perfecting the management system of the commercial banks, improving the risk management, and constructing the personal loan system to reduce credit risk etc.