Commercial Bank Personal Housing Loan Risk And Protection Research

In recent years, with the hot development of real estate market, the size also in dramaticexpansion of personal housing loan, due to its relatively low default rates and high yields, has become theone of the most important varieties of loan of commercial Banks. Personal housing loan business if canlong-term healthy and effective development, must make commercial bank profits, but the business thereare scattered loan time limit is long, the customer, some characteristics, such as information asymmetry,thus commercial Banks will face for a long time customer income changes, the potential risks of the realestate market cycle changes, after a long-term accumulation of these risks, once exposed, will bringunexpected losses to the bank and disasters, therefore, to study and explore the personal housing loan riskprevention and control measures, to ensure stable operation of commercial Banks, and even the stability ofthe macroeconomic development has important significance.In this paper, both the qualitative analysis on the research methods, and quantitative analysis, andalso the specification of the theory analysis, into the practical problems. Articles by collecting a largenumber of literature, reference to previous research results, mainly to study the personal housing loan riskprevention measures in the actual environment of maneuverability, the problems in combining theory withpractice and in theory to guide practice. This article first reviewed the domestic and foreign research statusof individual housing loans, through to the domestic and foreign research results and literature summary,the research direction of this paper is more clear and explicit. The next article in the second part, from themacro and micro two aspects, the risk of personal housing loan has carried on the thorough analysis, will bedivided into systemic risk and the risk of systemic risk, in terms of systemic risk, mainly introduced thepolicy, legal risk, interest rate risk, market risk, etc., the systemic risk, mainly discusses the borrower,collateral, Banks, developers, etc. Several risk source of risk. For risk after a clear understanding, to thecorrect risk assessment, the article follows on from the asymmetric information, the real estate market isnot standard, bank management system is not sound and so on many Angle analysis the risk of personalhousing loan. According to above research and analysis, in the third part of the article, put forward againstthe borrower, collateral, different risk categories, such as commercial Banks countermeasures and measuresto protect against it, and finally combined with the bank of China Henan branch of specific issues, specificSuggestions for improvement are given.