Individual Housing Loans Of Commercial Banks Risk Control Reserach Base On The Perspective Of Personal Credit

Individual housing loans has a rapid development in commercial banks for its large number of customers, high security and other features. But in recent years,with the outbreak of the U.S. subprime mortgage crisis and the deepy regulation of the Chinese government on the real estate market, various risk factors of individual housing loans has already gradually appeared with the reduction of the real estate transaction and the fall of the price. Therefore, in the new situation, on the basis of meeting the growing self-stay and improving housing loan demands.Commercial banks improve the risk prevention and control capability has become an urgent research topic with the practical value.The purpose of this paper is based on analysis of the current risk status of individual housing loans, through the analysis of the J Bank historic individual housing loan detailed data, establish personal credit score card to individual housing loan, and make better recommendations the risk prevention and. control of J bank individuals housing loans.Firstly,overview the current status of the development of individual housing loans of commercial banks and the risk control status; Make analysis of the strengths and weaknesses of the current housing loans of commercial banks risk control system.And analyze the situation of individual housing loans,risk control,performance,the shortcomings of the risk control in the J bank, all of which is to improve the risk prevention and control system of J bank individuals housing loans.Then, through the analysis of the J Bank from2000to2012individual housing loan detailed data, select the variables related to the credit risk of the borrower, with the help of SAS software and CART software at the J-bank detailed data and construct the decision tree model. In the end establish personal credit score card to individual housing loans, which should help J banks to determine the credit risk of the borrower with quantified methods. Finally, combine the improvement of the J bank risk prevention and control system with personal credit score card, which will help make sense of the risk control system,and summarize the research results and present the lack of the study and the further outlook.This study will make use of the existing research about the risk analysis and control of individual housing loans.This study will select the J Bank as a research object with the data analysis and mining methods. Analyze the detailed data of individual housing loans From2000to2012, and then select the relevant variables related to the credit risk of the borrower, establish the personal credit score card and measure with the historical data.Finally propose recommendations to improve the J Bank of individual housing loan risk prevention and control system. The results of this study will be conducive to the other commercial banks.