Problem Research Of Individual Housing Loan In Yanbian Area

In recent years,China's basically solved the problem of food and clothing for over billions of people.In general,we have achieved a well-off society,and we will soon build a moderately prosperous society in all respects.The people need more and more for a better life.The housing problem,as a basic issue of people's livelihood,is deeply concerned with the quality of life of the people and has aroused wide concern from all walks of life.With the development of Chinese banking loan business gradually improved,personal housing loan business started in the end of the 20th century,after thirty years of development is also gradually perfect,has been known and accepted by most people,gradually became the main way to solve the problem of housing needs.Yanbian financial institutions in effectively prevent Personal housing loan risk,under the premise of stabilizing financial markets and improve the personal housing loan business development,it has important significance to improve the livelihood of the people,support for promoting the economic development.This article from two aspects of housing provident fund and personal housing commercial loans,on the basis of the current situation of the development of personal housing loan of Yanbian area,yanbian personal housing loan market existing problems,put forward countermeasures and Suggestions of personal housing loan business steady development in Yanbian.The personal housing loan business in yanbian area began at the end of the 20th century,and it has become the main way to solve the housing problem of yanbian residents.In the past,the yanbian area of housing loan problem research,mainly concentrated in the study of bank credit policy,for the cultural characteristics of the yanbian region to study the influence of housing loans to individuals is not specificed enough depth.As a consumer loans,housing loans to individuals affected by consumer culture,has a distinct regional and cultural characteristics.some of the personal housing loan status quo of the Yanbian region can be explained by the ethnology and sociology theory.In this paper,the author combined the actual work,according to the current status of its actual economic and cultural characteristics,in the perspective of ethnology as the breakthrough point,the personal housing loan of the Yanbian region,summarized the existing problems,found that the characteristics of personal housing loan of the Yanbian region has a distinct regional characteristics,summed up the problem are as follows:1.The banking sector caused by excessive competition in the loan market malignant competition;2.Information asymmetry leads to the confusion of price mechanism.3.The post-loan risk events caused by large population mobility are frequent.For corresponding problems,the writer puts forward the development of its individual housing loan business at 3 o 'clock rationalization proposals:1.To speed up the transparency of the market information,mainly through the improvement of the personal credit system and the real estate information transparency to implement;2.Improve the supervision function of the banking supervision organs,avoid the issuance of false loans in the banking industry,and avoid the occurrence of risk incidents;3.The optimization of the commercial bank risk management,including customer guidance,customer manager training,strict controls of bank approval process,to carry out the mortgaged property mortgage,so as to promote its healthy and orderly development of personal housing loan business.