China's Commercial Banks To Individual Housing Loan Risk Management Status Quo And To Prevent,

With the promoting of the national real-estate system and the development of the reform of the financial system, our commercial banks were launching into personal real-estate loan business as a new profit-increasing factor in 1998. After the fast progress of recent years, the personal real-estate loan business is now in heavy risk. It is an essential request to keep the business growing healthy that commercial banks should recognize, control, manage, divert and transfer the personal real-estate loan's risks.This essay starts with the situation of our personal real-estate loan's risks and analyzes the personal real-estate loan's risk management frame and methods of foreign commercial banks. The essay explores the building of our commercial banks'risk management system and outside circumstance.In Part one, the essay analyzes the risk types and causes which our personal real-estate loan business is now confronted with. The essay also analyzes the status in quo of our personal real-estate loan risk management and the risk management problems of the inside controlling institutions, operating process and management technique.In Part two, the essay introduces the risk management frame of foreign commercial banks, including risk management regulations, risk management pattern and risk management structures. At the same time, it introduces the risk management methods and measures of foreign commercial banks, including the controlling and keeping away of liquidity risk, mortgage risk, etc.In Part three, the essay suggests to build the personal real-estate loan risk management of our own commercial banks. Firstly, we should build a vertical risk management system and increase the independence of the risk management system. Secondly, we should consummate the internal controlling system gradually. Thirdly, we should improve the risk management techniques and realize qualitative and...