The Research On The Violation Of The Risk Management Of Personal Housing Mortgage

Recently,Pesronal Housing Mortgage loan Service in business banks has been under raid development.The importance of personal housing loan has been shown both in the scale of credit service,and in its contribution to the income of banks.However,there is also one issue that deserves our concerns,which is the risk control and management of Personal housing mortgage loan.If this problem cannot be solved successfully,it will do harm to business banks both in terms of the healthy development of their personal capital sevrice,and interms of their future undertaking earnings and competition capabilities.This paper is doing a research on the personal housing mortgage loan service operated by personal housing Loan Center,Guangdong Branch,SomeBank,since the foundation of the center.The subject of the research will be the factors that influence the risk of personal housing mortgage loan deafult.This research will take advantage of mature foreign theories and results,and also the research methods that often taken by domestic scholars,by applying theoretical analyzing and positive analyzing, analyze the data of Personal Housing Loan Center,Guangdong Branch, SomeBank.Studying loan of default character,personal housing of default character, borrower of default character,item of default character.This research tries to recognize and estimate the influential factors that might lead to the default of debtor.This paper has two objectives,one is to estimate the risk of personal housing mortgage loan service operated by Personal Housing Loan Center,Guangdong Branch,SomeBank,and the second is to provide a theoretical and positive research on how to prevent and control the risk of personal housing mortgag loan effectively.