Research On The Preventing Risks Of Personal Housing Loans Of N Bank Liaocheng Branch

During recent years, with the rapid economic development, real-estate industry has turned into one of the foundations of china's economy; the main impetus comes from housing loan traffics. Since the year when the welfare housing stopped distributing in 1998, personal housing mortgage loans in commercial banks has surged accounting for its major share in the residential housing purchase.After N Bank Liaocheng Branch initiating real-estate mortgage loan business, the violation cases occurred from time to time, and the increasing financial bad debts goes to be the stumbling stone more and more so that limits the further development of the business. Lack of credit monitoring system and credit risk control mechanism, Liaocheng Branch of N Bank is in nascent stage without systematic managerial expertise. The paper The Research of Risks and Preventive Mechanism in Personal Housing Mortgage Loans, based on the writer's longtime practice and experience in managing and administrating personal housing mortgage business, attempts to describe the causes of risks on personal housing mortgage loans and global best practice in risk management on the business, suggest some systematic solutions to banking community to the management of risks and the establishment of risk-prevention mechanism in personal housing mortgage loans, which illustrates the great importance and immediate significance for all further investigation.The present paper has expounded the paper selected topic background, the research objective research technique and the correlation theories in detail in the foreword part. Mainly is profits from US, Europe and Hong Kong in the paper third chapter and so on the developed country and the local individual housing mortgage loan risk guard success international experience and takes to our enlightenment. Fourth chapter after has summarized the Liaocheng branch individual montage service development situation and the risk management present situation, in the paper fifth chapter, the author from the developer, the borrower, the bank own, aspects and so on pawn, macroscopic economic environment in detail elaborated separately individual housing mortgage loan risk forms reason. In the front three chapter of foundations, had in view of after the bank risk system management, the loan investigates, the loan manages, the loan investigates, the loan manages, the risk shift mechanism, the credit variation strategy and the product innovation, the risk management information system construction and so on seven aspects systematically proposed individual montage risk control measure.