Study On Credit Risk Of Individual Housing Mortgage Loan Of The Certain Bank

Credit risk is the most vital risk for the commercial banks. Establishing credit risk early warning model, on the basis of statistical analysis of the borrower’s default behavior, is the basic work for the prevention of personal housing mortgage loan credit risk.Basing on the data concerning personal housing mortgage loan in2009and in2010of the certain bank, the thesis gives a preliminary analysis to the situation of credit risk management.The framework of the thesis is as follows:1.Analyzing the types and features of personal housing mortgage loan credit risks and describing three stages’ credit risk prevention measures.2.By analyzing the process of personal housing mortgage loan credit risk management of the certain bank and its practice, we try to find out the problems of credit risk management, and the causes of these problems. One reason is that the internal control of the banks is weak. Another is personal credit evaluation system is not perfect. The third is that we don’t have a good external credit environment.3.Basing on the datum concerning personal housing mortgage loan of the certain bank, we have an empirical analysis of personal housing mortgage loan credit risk, and find out following results:a.As for borrowers, such factors as gender, marital status, level of education, vocation, age, living conditions, credit status, work experience, monthly income have significant influences on the borrower’s loan default. b.As for loans, such factors as the amount of loan, the loan-to-value ratio have significant influences on the borrower’s loan default. c.As for housing mortgage, such factors as collateral address have significant influences on the borrower’s loan default.4.Four pieces of advice on personal housing mortgage loan credit risk management are given as follows: a.Establishing scientific idea of credit management; b.Managing clear thinking of specific credit management; c.Constructing a matrix type of credit risk management system; d.Constructing a loan credit risk early warning system.Although relevant research datum only source from a certain bank,the relevant suggestions of personal housing mortgage loan credit risk management can be useful to similar financial institutions.