| Personal housing mortgage loans (hereinafter referred to as mortgage loans) is issuing bank to the borrower for purchase of a new home loan. Current commercial bank interest income accounted for the majority of commercial bank share of total income, while interest income is an important source of benefit for mortgage loans; bank risk is the bank in operation due to various factors, the possibility of economic losses incurred, Or is the bank's assets and income possibility of loss. Determine the nature of banking that it will take all types of risks (Basel II). When companies face market opening, regulatory ban, product innovation, changes in volatility were to increase and, together with increased operating risks. Good risk management helps reduce the risk of making errors, to avoid the possible loss, relative to the added value of the enterprise itself, good and sound risk management and therefore suitable for development of commercial banks; risk management strategies must be appropriate business banking strategy of a bank operating in different business activities to define the different levels of risk, commercial banks face the risks of three areas:credit risk, such as potential bad debts; liquidity risk, assets and liabilities do not match; operation risks, such as a false personal consumer loans, affiliates Piandai, notes fraud. Mortgage risk is the risk of commercial banks face the most basic one. Government macro-control is to establish and improve an important means of market economy. Implement a correct and scientific macro-control policy will be to mobilize the enthusiasm of market players, effective allocation of social resources, social justice development goals. By deepening reform, legislation to establish policy, improve policy coordination and monitoring mechanisms. Modern market economy is determined by market players, the market system and national macroeconomic regulation and control, or part of three main elements of composition. With or without sound and effective macroeconomic control system is the modern market economy and the fundamental difference between free market economy, establish and improve China's socialist market economic system, a crucial element. Instability in the economy, the state will use macro-control measures will play a leading role on the economy. In summary, the current economic situation as the background to the current range of economic phenomena based on the risk of mortgage loans in commercial banks is extremely necessary. |
