The Research On The Analysis And Control Of Individual Housing Loan In Commercial Bank

Since September 2001, our country commercial bank individual housing loan have surpassed the real estate development loans, which became the most important mortgage object, individual housing loan risk thus became the most important part of bank risk management.With the implementing of a series of macro-control policies, the individual housing loans of commercial banks in China is entering a high risk period, so our country's commercial banks urgently need to improve system of risk control on individual housing loans. What's more, the high housing prices on housing loans to individuals also requires a great improvement to the risk prevention system. As a result, the China's commercial banks urgently need to improve the personal housing loans risk controlling system to meet with the new round of risk. The paper raised some recommendations on how to improving it based on analyzing of China's current risk status of individual housing loans.Firstly the paper describes the research background, research status, and the research value of the paper topics, and then introduced the research methods and content of the article. Secondly, the risk and situation of individual housing loans of commercial banks was overviewed and analyzed. What's more, we took one of the commercial bank branch in Wuxi as an example to discourse the satiations and presentation of individual housing loan risk.Then build a commercial bank housing loans default model, through building the model and application of indicators to create a new evaluation system of reducing risk. This is the core section of this paper, We built the new index evaluation system of individual housing loans for commercial banks by using factor analysis and discriminant analysis methods. Starting from all the variables of impacts of default loans in commercial banks, and we get the variables quantified, then analyzing the impacts of individual housing loan defaults, we get the main factors.Finally, we explored how to improve the strategies of risk management of individual housing loans in the bank, then we proposed the establishment of scientific system of indicators for commercial banks to assess the risk of individuals housing loans, whether in the pre-loan, credit or loans ,The commercial banks need to strengthen all aspects of risk control. Then, in the end of the paper, we gave the summary of all studies results, proposed the lack of this paper, and the follow-up study direction.In the paper, Through study large number of literature on risk analysis and control in commercial banks, and summarize results of previous studies and analysis, combined with sample data from a commercial bank branch in Wuxi, using statistical analysis methods to establish scientific risk evaluation system of individual housing loan, Then proposed risk control method for improving the bank's risk management on individual housing loans , which takes a value of practical application and provides an typical example for other commercial banks.