Research On The Risk Of Housing Mortgage Loan Of G Commercial Banks

Finance is the core of the economy, and the banking sector is the core in China’s financial system. However, due to its financial features and operating characteristics, the banking sector have many potential risks. At present, China’s economic growth continues to decline, affected by a marked increase in operating pressure banking profit growth is slowing down, banks’ asset quality decline. According to the statics released by the China Banking Regulatory Commission, the bank’s non-performing loan growth rate hit a new high in recent years. Although the banking sector since 2014 started to increase the intensity of write-off and disposal of non-performing loans, non-performing loans of any course but there are different degrees of growth, and the bank’s overdue loans also grew at the same time. If the future of non-performing loans and past due loans continue to expand, banks the asset risk will become apparent.This paper studies the causes and preventive measures of the risk of mortgage loans of commercial banks. First, the basic theory elaborated risk characteristics of the mortgage loans and mortgage loans. Then, the status G commercial bank mortgage loan business, use case analysis, qualitative analysis, systems analysis, respectively, due to the borrower’s credit consciousness weak repayment capacity decreased, the borrower intentional fraud and other reasons from the perspective of the borrower formation Mortgage risk; risk mortgage loans from banks due to the bank’s own point of view of operational risk, moral hazard, credit review before and after the loan funds regulatory risk, prepayment risk, risk management structure is not perfect and other reasons for the formation; from the perspective of real estate developers Mortgage Risk Analysis As the "fake mortgage" phenomenon, project risk, misappropriation of funds and other reasons the loan form. Finally, G commercial bank risk management in mortgage lending problems of the system are summarized mortgage risk prevention measures: Presented by the establishment and improvement of housing mortgage loans rigorous scientific review system, establish and improve the personal credit system, standardize the bank’s own conduct of operations, the importance of bank capital regulation and post-loan management, transfer mechanisms and improve bank mortgage lending risk, accelerate mortgage loan secularization process, concern national macro-financial policy and real estate management policy and a series of measures to effectively control housing risk mortgage loans.We hope that through systematic study of G commercial bank risk mortgage loans in commercial banks to ensure the safety of assets G. While capable of Risk Management in our mortgage banking business to provide reference, it is possible for China’s banking industry mortgage risk analysis and contribution to improve the risk management.