Individual Housing Loans Market Risk Analysis

In order to solve the problem that people cannot offer to purchase house, banks or other financial institutions provide personal housing consumption loan. Due to the personal housing consumption loan taking the purchased house as mortgage, it is also called personal housing mortgage loan. Such loan of large sum and long term is the important parts of consumption loan. Nowadays, the personal housing consumption loan has developed quickly so that banks expand its business and grab the loan market. However, measures should be taken for financial institutions to prevent the risks since the personal housing consumption loan can be kept for twenty to thirty years. Recently, the housing price has risen quickly, which leads to the regional real estate hot. Because of taking the purchased house as mortgage, the safety of the loan is closely related to the market value of the mortgage .The price fluctuations in real estate market have direct impact on the personal housing consumption loan .thus, attentions have been paid to the relation between housing price fluctuations and financial risks.Therefore, beginning with the connotation and consulting the theories at home and abroad, the paper discussed the market risks of personal housing consumption loan. The paper discussed and the related problems. Here is the thought of the paper: firstly analyzing its characteristics and mechanism, and explaining the reason for its appearance. Secondly, taking Chengdu as example, and analyzing the market risks of personal housing consumption loan facing with Chengdu. Finally, putting forward the steps to prevent the risks.The paper can be divided into four parts.Part one: the paper analyzed the connotation of market risks of personal housing consumption loan. The paper explained its concept and...