Housing Loans To Individuals Undesirable For The Prevention And Disposal Of Assets

Since the Commercial Bank's personal housing loan has been run, it has been regarded as high-quality assets. In recent years, China's real estate market developed rapidly and the commercial banks of personal mortgage business has made a considerable development. For the pyramiding of the price of the house, the government has adjusted lots policy to control. Though we get some effect, but the high price of house does not change. Compare with this , the personal mortgage business of commercial banks has been a considerable development, and the competition is serious. At the same time the risking is high.Actually the worry of the writer is true. The date of CBRC prove: at the end of year 2005, the personal mortgage business of commercial banks' bad assets is 1.5% or so. Yang zaiping , the vice director of CBRC Laws and Regulations Department, introduced that the Housing loans in our country increase rapidly. The bad Assets of the personal mortgage business of commercial banks increase rapidly too. But bad loans rise, how to guard against bad assets as individual loans are concerned about and studid, for stock and new bad loans, the Bank also use various means to clear and collect disposal.This paper first discusses meaning of banks' preventing and disposing individual housing bad assets, introduing relevant experts' and scholar's view judgment, and on the basis of credit risk analysis of the loans risk and non-performing loans to the housing-related causes, together with case-Xuzhou ICBC housing against non-performing assets handle practice, and to analyze its gains and losses, and study how to prevent and handle Xuzhou ICBC individual housing bad assets. Finally mixture of theoretical and practical find precautions and disposal of non-performing assets of housing loans in general.