Risk Prevention Of Personal Housing Mortgage Loan

In recent years, with the rapid growth of the national economy, the rapid development of real estate, the majority of residents purchase enthusiasm for personal housing mortgage loans have become the main financing channels, but also because of its low risk, interest income stability, the market potential and other advantages by commercial banks, as the focus of the development of commercial banks. However, the personal housing mortgage loans also have long loan period, customers constitute a complex, all kinds of information lag and other characteristics, therefore, the commercial banks have a lot of potential risks..Especially in the current economic environment, the price of high prices, the price bubble is becoming serious, once the potential risk exposure, the commercial banks will face unimaginable loss. Therefore, the present study of individual housing loan business, clear all kinds of risks and take effective preventive measures, the stability of the commercial banks, healthy development, and even the stability of the entire financial system has an extraordinary significance.This paper aims to study the risk and preventive measures of individual housing mortgage loan in the background of commercial banks for many years..Firstly, this paper introduces the basic theory of personal housing mortgage loans, and analyzes the risk categories of individual housing mortgage loan from the theoretical level, and focuses on two aspects:risk control risk, interest rate risk, legal risk, industry risk and liquidity risk. And can control risks include the risk of the borrower, the risk of collateral, commercial banks themselves, the risk of developers, etc. Secondly, this paper to Bank of China Binzhou Bincheng Branch of as analysis object, with a wealth of data describes the status of personal housing mortgage loan risk, analyzes the problems of the bank in terms of personal loan business risk management, there are. Again, this article through the principal component analysis and Logistic regression analysis, the commercial banks personal housing loan risk management of the empirical analysis, through the analysis, we can see that the impact of the real default risk and overdue risk is the loan into a number and the structure of the borrower. At the end of this paper, the paper were summarized, and put forward the related policy proposal for Bank of China Binzhou Bincheng Branch individual housing loan risk management.