Research On The Risk Control System Of Housing Mortgage Loans Of Commercial Bank In China

Despite China’s Housing mortgage loans operation started quite late, its rapid growth and vast scale have greatly and increasingly influenced China’s financial and economic development. In the beginning, housing mortgage loans operation was considered one of the low-risk loan species which can bring stable profit margins for commercial banks, and facts have proven that its risk could be far less than other loans species. But for the past few years, NPL of housing mortgage loans has been on the increase, harboring huge potential risk, so it is especially important for commercial banks to guard its risks. As risk preventions of housing mortgage loans are complicated, practicable risk control mechanism is needed to precaution and guard its risks from the source.The full text includes three parts:introduction, main text and conclusion, and the main text divides into three chapters:The first chapter is the overview of Housing Mortgage Loans of commercial bank in China. This chapter is a brief description of the concept, features, procedures and components of risk control system of housing mortgage loans operation.The second chapter is "problems in the housing mortgage loans in China and its current situation and environment". This chapter reveals problems from three aspects:before the loan, in the loan, and after the loan.The third chapter is "perfection of the risk control system". This chapter tries to overview the current situation of the housing mortgage loans practice in China and supply comprehensive solutions on the designation and perfection of risk control system of housing mortgage loans operation of commercial banks.This paper identifies the main on-going and potential legal risks of housing mortgage loans business based on China’s housing finance practice; With reference to mature experience in developed countries and regions, and combing related laws and regulations, this paper comes up with appropriate measures and countermeasures to perfect the risk control system of housing mortgage loans business of commercial banks in China from a legal point of view.