An Analysis Of The Causes Of Individual Housing Loan Risk In

In recent years, with the development of our economy, countries pay more attention to the solution of the problem of the people’s livelihood, especially housing difficult problem has long been regarded by the government at all levels. In the face of high prices, countries to effectively solve the problem of the vast majority of the housing difficult, on the one hand, many times the property market regulation policies, guide the change of land finance idea, in order to achieve the control house prices rising too fast, the prevention and control of the property market bubble economy development; On the other hand, encourage relaxation degree of the management of personal housing mortgage loans, to encourage the general residents through the form such as mortgage loans to alleviate pressure of high housing prices.Contractor’s bank policy response, to follow the trend to increase individual housing loan scale at the same time, pay more attention to control personal housing loan to the potential risks of commercial Banks. In the maintenance of their own business interests at the same time, also must consider the financial order and financial security in our country. However, as the personal housing loan default rates rise, the commercial Banks in the study of housing loan risk and prevention.In comprehensive research at home and abroad on the basis of the research related to individual housing loan, according to individual years contractor bank’s personal housing loan business, this paper first introduces the concept of individual mortgage loans, mortgages, procedures, rules, and commercial Banks in the form of the risk of mortgage loan types. And on this basis this paper introduces the contractor’s bank law characteristics of personal housing loan risk management.Secondly, on the analysis of the contractor’s bank individual housing loans on the basis of the status quo, from the credit risk, market risk, operational risk, legal risk policy four aspects in detail introduces the contractor’s risks of the bank. Again, the personal housing mortgage loan repayment risk by means of factor analysis,scientific and systematic analysis. The last field to individual housing loan risk control method to classify the proposed his own specific advice.The innovation of this article is mainly reflected in two aspects: on the one hand,the author is a line personnel, contractor’s bank can obtain first-hand digital data,more familiar with the current situation of commercial Banks personal housing mortgage loan business, the thesis owes its success to a large number of analysis and research of the contractor’s bank data; On the other hand innovation to the introduction of the factor analysis of individual housing mortgage loan risk analysis,made from pure theoretical research and analysis towards digital, intelligent,modeling analysis, make research results more rigorous, scientific and credible.From the contractor bank internal information presented, through the construction of certain theoretical model, as the model package bank housing loans to individuals fields provide overall thinking framework, the original data of randomly sampled Baoshang bank into three years the area of individual housing loans, through the statistical classification analysis, obtained the original data, using factor analysis and discriminant analysis of two methods, the influence factors of individual housing loans of commercial banks in default on quantitative analysis. On the basis of quantitative analysis, the discriminant formula, the critical value calculated risk, also be to test the credibility of the research, the scientific nature to ensure that research results.