S Branch Of Huaxia Bank Personal Housing Mortgage Loan Default Risk Prevention Control

Since reforming and opening up, Chinese high speed change consumption concept,advance the concept of consumption is becoming popular, personal housing mortgageloans to buy a house become the preferred housing. For a long time, personal housingmortgage loans because of its long loan, features stable interest income, bank was regardedas one of the bank business high security high profits. According to the internationalpractice, the risk of personal housing loan exposure period is usually3to8years, whichmeans that individual housing loans of domestic banks may have entered the defaulthigh-risk period. From the actual situation, non-performing rate of commercial bankpersonal housing mortgage loans in the rising period. Can be expected, due to extensivemanagement business early planted hidden danger, risk of individual housing loans willcontinue to expose.This paper focuses on the research of individual housing mortgage loans, borrowersdefault, developers default, the macroeconomic environment changes caused by default,bank internal risk caused by breach of contract and false mortgage caused by default offive common forms of breach of contract, the breach causes and characteristics areanalyzed one by one. Take the Huaxia Bank S branch as an example, combined with theactual case examples, introduces the specific measures to prevent the risk of default andachievements.This paper will adopt the research method of combining theory and practice writing,the so-called theory refers to the relevant regulations in the important conclusions beforelearning at home and abroad on the risk of personal housing mortgage loans and theanalysis of S branch of Huaxia Bank for personal housing mortgage loans; the practice isthe learning of theory knowledge with the actual business of S branch of Huaxia Bankpersonal housing mortgage loans to have a look, whether the theory for practice, can play arole in practical work. The innovation of this paper is to put forward whether banks can apply for personalhousing mortgage loans to borrowers to take a variety of security portfolio approach. Suchas the removal of the purchase of real estate mortgage can let third people again this loanguarantees; or the introduction of Guarantee Corporation to guarantee; or the introductionof insurance company default insurance, the guarantee way2or more than2kinds ofcombination on a personal housing mortgage loans in the bank guarantee.Finally this paper, the traditional, single way of security is not enough to protectagainst various risks of personal housing mortgage loans, put forward third natural personfull guarantee, Guarantee Corporation process guarantees, the purchase of individualhousing mortgage loan default three new form of guarantee insurance. The various securityguarantees for a personal housing mortgage loans, has great and far-reaching significancefor the development of personal housing mortgage business healthily, orderly. This paperwill adopt the research method of combining theory and practice writing, the so-calledtheory refers to the relevant regulations in the important conclusions before learning athome and abroad on the risk of personal housing mortgage loans and the analysis of Sbranch of Huaxia Bank for personal housing mortgage loans; the practice is the learning oftheory knowledge with the actual business of S branch of Huaxia Bank personal housingmortgage loans to have a look, whether the theory for practice, can play a role in practicalwork.