Analyze On The Risks Of Mortgage Loans Of Commercial Banks And Preventive Measures

In recent years,with the rapid development of the real estate market,commercial banks' personal housing loan business is showing a rapid development trend,but behind the rapid development,we also realize that the risk of rising year by year.Therefore,to effectively understand the risks and causes of individual housing loan business of commercial banks,to strengthen the research on the default risk of individual housing mortgage loans is more conducive to control the risk of loans to commercial banks to improve the level of risk identification,strengthen risk prevention and control capabilities and enhance Core competitiveness is of great significance.In this paper,the risk of personal housing loans of commercial banks is described,and the risk factors of individual housing loans are analyzed by taking H bank false mortgage and ZZ bank bad debt formation process as an example.And improve the domestic personal credit risk system,improve the personal housing loan credit risk assessment system,strengthen the cooperation of customers access to work to enhance the quality of bank employees to enhance and strengthen the relevant laws and regulations research work,improve the collateral Evaluation system and other commercial banks to individual housing loan risk prevention 6 recommendations.