The Research On Credit Risk Assessment Of Individual Housing Loans Based On FAHP

China has carried out the housing mortgage business since 1997. with the rapid development of real estate economy,the volume of individual housing loans is also rising the risk appears gradually along with the individual housing loans business start-up time for the total loans increased. At present the problem of personal credit has become the most common reason for the default. Lack of credit not only brought a serious risk and losses, but also the impact of the financial sector has an influence on the socio-economic which cannot be ignored. thus managing the individual housing loans credit risk in a scientific and rational way have an important meaning for the commercial bank to control the financial risk effectively.Basis studying achievement to individual housing loans credit risk and risk evaluation that aspect in summary home and abroad scholar, then theoretically analyze the individual housing credit risk evaluation to the relevance theory. Sum up the analysis having carried out comparison on the main individual housing loan risk evaluation methods.Combining with China's housing loans to individuals in the actual credit risk, uses Fuzzy Analytic Hierarchy Process to determine the importance of indicators, build up a individual housing loans credit risk evaluation model based on Fuzzy Analytic Hierarchy Process eventually.Apply the system to individual housing loan credit risk evaluation of commercial banks. Banking workers can use this model to judge the personal credit risk before the individual housing loans. And supervise the lender's credit, this model overcome the traditional ways of determining whether or not to issue the loans by qualitative and subjective methods. So it can control the individual housing loans credit risk effectively. And empirical analysis of the sample data from a commercial bank shows that the model results of the evaluation is reasonable.Therefore, according to the situation of our country, the article provides ideas and measures of making use of this model fully in banks, from external environment to internal prevention system.This thesis applied FAHP to China's individual housing loans credit risk evaluation,FAHP combines qualitative analysis and quantitative analysis.This model is easy to handle, It can be applied to a wide range.It gives useful suggestion to commercial banks of our country to utilize this model in business of individual housing loans.