Research On Avoiding The Risks Of Individual Housing Loans Of Commercial Banks Under The International Background

After entering into the 21 st century, as the economic globalization and financial integration goes deeper, the world economy links closely more and more. The US broke out subprime mortgage crisis in 2007, by the evolution of regional economic crisis escalated into a global financial crisis soon, the financial markets around the world and the real economy were caused great harm, impacted the global economic and financial stability severely. China was the world's most populous nation, its total economic output accounted for large proportion of the total world economy. The global financial crisis had brought great bad influence on the healthy development of the national economy.In nearly a decade, with the deepening of China's economic structure adjustment, the real estate market grew by leaps and bounds, driving the rapid expansion of the commercial bank personal housing loan business. Currently our country real estate market and the present situation of the development of personal housing loan business are similar to the previous subprime crisis of the United States. Such as house prices across the collective diving, customer credit review system is not sound, the information asymmetry, the bank internal control is not sound, a flourishing cities of commodity house trading. China's commercial Banks should actively absorb experiences and lessons in America's subprime crisis, to strengthen the risk management of personal housing loan business.The paper collected a large number of literature about the aspects of housing credit and risk prevention, referred to the domestic and foreign scholars on the research of the subprime crisis, mainly explored the actual risk factors of China's personal housing loan market under the international background. By introducing and analyzing the cases of personal housing loan in China and the United States, concluded that the current reasons for the formation of personal housing loan market risk. In this paper, adopted by the aspect of personal housing loan risk based on conventional measures to commercial bank branch in Hubei province.Through to analyze and evaluate the effect of conventional measures of the implementation of the situation, finding out the existing shortcomings, finally according to my internship experience and literature summarizes, putted forward the feasible Suggestions.Our country commercial bank should learn the painful lessons in subprime mortgages crisis warning, complete the personal housing loan risk prevention earnestly, ensure the personal housing loan business develop healthy and orderly.