The Government Supervision Of The H Bank Personal Home Mortgage Loan

The development of commercial bank home mortgage loan is on the initial stage, the regulatory risk and potential risk had not attached importance. On the other side,the volume of personal home mortgage loan increased year by year,and it gathered a large number of risk.we need research the measures and super vision,discovering the risk because of the commercial banks are the most vulnerable to loss a party on the loan.the government strength related the commercial banks profit,but the regulations on loans is on the initial stage,it have not to create a completed system.some legal which stop on the principle stage do not refine the specific rules,while there are some stark fault line within the mortgage system such as personal credit residential mortgage loan insurance supervision of the third party such problem is unable to adapt the need of Chinese commercial bank home mortgage loan,so that,taking an example as H bank to ensure the bank industry stable and orderly stable and orderly development significance.This article mainly divides into five parts:In the first of the article the author elaborated the topic background, present situation and enlightenment at Home and Abroad and presents the main research and technical routes at last.The second part take H Bank as an example expand mortgage regulatory risk,interbank mortgage situation,mortgage supervision,let us understand case background with a vide to further analyzing.The third part, case analysis of personal loans set forth the management system and practices of CBRC, combined with the actual work experience and understanding to discover the shortage of government supervisionThe fourth part Strengthening suggestions and promotion of commercial bank home mortgage loan, meanwhile, rising relevant suggest and self vide through case analysis.The fifth part is the conclusion.