The Risk Management Research On Individual Housing Loan In Commercial Bank

After 1998, along with the country housing system reform moves forward comprehensively and the monetary system reform goes deep gradually, the investment growth in real estate development and construction maintained at about 30 percent of fixed-asset investment growth, and investment growth rate far exceeds the GDP growth rate. Our country commercial bank gradually will develop individual housing loan business as a new profit growth spot. After the rapid development in recent years, at present individual housing loan dominance and the recessive risk also start gradually to expose, this will make the real estate and related industries, and resident housing consumption, and even the entire national economy have a chain-reaction. The commercial bank how to identify, transfer, control and manage the risk of individual housing loans is the basic requirements to maintain a healthy business development. This paper began with China's commercial bank risk management present situation of individual housing loans, carried on the analysis to the commercial bank individual housing loan risk category and their reasons, comparatively analyzed the typical national individual housing loan risk guard experience. On this basis, it proposed the conception for strengthening the risk management of the individual housing loan business.This article main content including below seven parts:First part: Introduced the selected topic basis, research present situation at home and abroad, research ideas and methods as well possible innovations and insufficiencies. Selected topic basis is the key topic, including the selected topic background and the selected topic significance, pointed out individual housing loan existence the question and the potential risk are causing the financial circles and the theory widespread attention, strengthening the guard of the individual housing loan risk is imminent.Second part: carried on the analysis to the correlation of theory the commercial bank individual housing loan risk management. First section introduced individual housing loan definition, characteristics and the classification; Second section introduced individual housing loan risk concept and the characteristics; Third section introduced the relevance of individual housing loan risk; Fourth section introduced the commercial bank risk management concept, classification and requirements; Fifth section introduced the bare bone of the commercial bank individual housing loan credit risk management: content, objectives, principles and general procedures.Third part: the management present situation of our country commercial bank individual housing loan risk. Divided our country individual housing loan business into four stages: The preliminary development stage, the temporarily closes down and restores stage, the high speed development stage and the adjustment stage .This part also pointed out the commercial bank individual housing loan risk started to appear.Fourth part: Carried on the classified analysis to the commercial bank individual housing loan risk. Has divided the risk into 5 kinds: the developer credit risk, the borrower credit risk, the risk in bank interior, the risk in macroscopic envirorment and the special risk; And has carried on the analysis to each risk.Fifth part: Carried on the causes of the commercial bank individual housing loan risk separately from the housing market angle, the loan demand angle and the loan supplies angle. Pointed out the fluctuations in the real estate cycle, the lender's speculation, the dependence of the banks in the housing consumption and the irrational behavior are the main reasons which cause the commercial bank individual housing loan risk.Sixth part: Carried on the analysis to the model national individual housing loan risk guard situation. First section is the US commercial bank individual housing loan risk interior guard measure; Second section is American, the Canadian individual housing loan risk exterior guard measure; Third section is the foreign general procedure; Fourth section summarized the developed country individual housing loan risk guard experience, has the important enlightenment to our country individual housing loan risk guard.Seventh part: Individual housing loan business risk guard management measure, this is the focus of this thesis. Mainly concerned about aspects: First, the application control method for developer risk; Second, further enhance the borrower's credit condition of customers, improve risk warning capacity; Third, the security measures in risk control measures; Fourth, the internal operational risk control measures; Fifth, strengthen management after the loan. Carried on from these five aspects launches, this part has produced 41 suggestions, to strengthen the risk guard of our country individual housing loan. There are great lessons.