China’s Commercial Banks To Individual Housing Mortgage Loans To Default Risk

From1998since the reform of housing system,China’s real estate industry has graduallydeveloped into one of the pillar industries of the national economy. Under it, Personal housingmortgage loan business is developing rapidly. In recent years, Personal housing mortgage loansaccounted for the proportion of total loans of commercial banks is also rising. Internationallyrecognized individual housing mortgage loan default risk for loans after5-8years, Therefore,China is currently in the individual housing mortgage loan default high stage, Coupled with thereal estate development enterprises financing channel stricture、Parts prices rise too fast、Bankdeposit short-long、Legal security system is not perfect.Collateral material disposal problems.Make our country individual housing mortgage loan risk is gradually emerging. These riskswill first effect of bank capital security, Even disturbs the national economic security operationsystem. Based on this, this paper attempts to personal housing mortgage loans and bankpresents the triangular relationship between the lender and the developers risk analysis.To findout problems in banking industry, and puts forward some measures for risk prevention.Compared with the developed countries, our country about the personal housing loan riskcontrol research and development is relatively slow, theoretical foundation is weak, and themajority is concentrated in from the angle of the bank, according to the internal operationprocess, the borrower repayment capacity assessment and pawn disposal and other aspects ofanalysis, analysis of the relatively narrow, the practical risk assessment model is less. Thispaper adds to the real estate developers risk analysis, broaden the level of analysis, make to ourcountry individual housing mortgage loan risk and the more comprehensive analysis, and onthis basis to establish a loan investigation stage Bank of developers and the borrower riskassessment model, proposed the risk guard measure, for our country commercial bankindividual housing mortgage loan risk research widen train of thought, promote thedevelopment of the theory of risk prevention and control.At present, focus and direct bank credit relationship risk borrowers cannot have fullcontrol of personal housing mortgage loan risk, and the bank has a cooperative relationshipwith the lender has the sale of real estate developers risk has been gradually, also ought to causethe attention of bank. Through this research, to the borrower and the developers two aspects ofrisk analysis, tries to establish a set of more perfect individual housing mortgage loan riskevaluation system, thereby more comprehensive control of credit risk of personal housingmortgage loans, reduce the rate of bad loans, ensure the security of bank credit funds into banks,individual housing mortgage loan risk evaluation and control system to provide some usefulreferences.