Causes And Countermeasures Of China's Housing Loans, Credit Risk Research

Over the past five years when the country's reform and the opening to the outside world kept on expanding and socialist market economy deeply developed, the real estate has got an rapid increase, thus the national real estate witnesses its prime time, which made many commercial banks join its credit market to expand their own profit space. Nevertheless when gaining profit from the accommodation credit, these banks always overlooked its intrinsic credit risk. It is widely received among bank industry: operating goes first, and risk second. To rectify such opinion solving the credit risk this thesis discusses the real estate credit risk and puts forward the countermeasure to control it.According to the author' s experience in the credit field, meanwhile by applying the common theory and methods of banking accommodation credit risk management the author analyses the country's accommodation credit risk and puts forward the countermeasure. Firstly the author analyses the form of expression of the country's accommodation credit risk. On the study of it and after predicting its future trend, he puts forward that accommodation credit risk should be pay more attention to when the accommodation credit develops. Secondly the writer illustrates the main reason to causing accommodation credit risk in China. Thirdly in light of the investigation to foreign accommodation financial system, it offers examples for national development and perfecting of accommodation credit risk control system. Last in light of the internal and external fruit of study and practice and onthe basis of national situation, this thesis suggests ways of controlling accommodation credit risk control system which, by taking bank as its center, includes filtering mechanism, sharing mechanism, transferring mechanism and seceding mechanism together with relative measures to fight against credit risk.