Research On The Credit Risk Assessment Of Commercial Bank Individual Housing Loan Business

In 2007,the risk of personal housing loans break out in the US. And then it causes severe international financial crisis. It is a wake-up call for other countries in terms of personal housing loan risks management. In the recent ten years, with the rapid development of the real estate market in our country, the personal housing loans business of commercial Banks also gradually rise. By the end of 2014, China’s personal housing loans has reached 11.52 trillion Yuan. According to international experience, however, usually after 3 to 8 years of lending the loans, the risk will slowly emerge. So for the moment personal housing loan of our country has begun to enter the risk exposure period. If commercial Banks can’t effectively assess the risk, Under the present economy of the new normal, the rapid expansion of housing loans to individuals are likely to become the source of risk in commercial bank.First, this paper summarizes the relevant research results at home and abroad, then introduces the related concepts of personal housing loans in our country, combined with the characteristics of personal housing loan in China analyzes the individual housing loans credit risk. Through the personal housing loan credit risk assessment method is introduced and compared, selected a relatively appropriate evaluation methods—— based on the fuzzy analytic hierarchy process(FAHP). Then use the fuzzy analytic hierarchy process to determine the personal housing loan credit risk assessment indexes of the index weight, based on fuzzy analytic hierarchy process build a personal housing loan credit risk assessment model. Then apply the model to the actual commercial bank personal housing loan business, for personal credit before in personal housing loan risk evaluation, is effective to overcome the traditional rely on qualitative and subjective way to determine the issuance of loans or not, so as to more effectively control the personal housing loan risk. Finally, combined with China’s national conditions, draw lessons from foreign advanced experience, put forward the perfect Suggestions for the development of personal housing loan credit risk prevention before; To control the risk of personal housing loan business process; Promote the personal housing loan risk transfer mechanism perfecting suggestion.