A Legal Analysis Of Commercial Bank 's Loan Risk

No outside notting have the basic necessities of life, under the influence of China’s traditional thought, there are basic necessities of life, under the influence of traditional ideas Chinese, there is a place to live is the starting point for each required. Insects, birds, and animals also need to build their nests, and there is a need for people to get married. Now more and more people need to buy commercial housing in the city as their foothold. Although people’s living standards have been greatly improved, it is not easy for many ordinary families to buy a house in a big city. This has led many families into trouble, but this time a bank of personal housing loan business came into being, opened up a bright way to solve this dilemma.Individual housing loan business can bring a win-win for all parties, is a benign recognized low risk assets, but does not mean that such a benign assets is no risk, loan period often up to 20 to 30 years, and many uncertain factors, in this case, risk also tend to have a comprehensive, hysteresis, and great harm characteristics. Once the accumulation of individual housing loans, risk events once concentrated outbreak, commercial banks will be a catastrophic disaster. In 2008 the real estate credit business in a time of rapid development, the lender’s credit audit accidentally, the impact of the bank loan principal and interest to return to normal, and triggered a global financial crisis, lessons learned from the subprime mortgage crisis is still in my mind fresh. At present, China’s real estate market financing level is not mature, the real estate financing to bank loans, it is easy to cause the impact of the real estate market policy, the entire real estate financial system. Research involving real estate loan policy risk, financial risk, management risk and other types of risk identification and prevention is significant. At present, the personal housing loan risk control is the most from the economic field, the use of economic model to solve, and from the perspective of legal research is rare. Therefore, in this paper, the economic theory and legal theory combined focuses on the analysis of the legal nature of the individual housing loans and face legal risks, and puts forward the legal measures, to reduce the risk of individual housing loan business of commercial banks, promote the steady growth of Commercial Bank of our country, but also conducive to the healthy development of China’s macro economy...