Research On The Supervision Of Personal Housing Loan In H City

With the development of the market economy,houses,like other goods,are constantly being traded and sold.In this case,the commercial housing loan business of the bank came into being.More and more people choose the way of mortgage purchase because of the capital restriction and the interest rate of the loan.Although at the 19th Party Congress,General Secretary Xi Jinping,in an effort to curb overheated property prices and ensure people's livelihood,proposed that "houses are for living,not for speculation," the rise in housing prices has slowed under the country' s various policy controls,however,in recent years,the residential commercial housing loan business is still growing at a relatively fast pace.For h city in particular,the economic development of h city in s province is in general,but due to the tilt of various preferential policies such as the National Poverty Alleviation policy in recent years,h city' s shantytown renovation intensity ranks first in the country,residential Commercial Housing Loan Business is also in full swing.H City in recent years,the rising trend of residential commercial housing loans is more obvious,the increase is more and more,faster and faster.In 2017,commercial housing loans for residents in h city totaled 39.96 billion yuan,reaching 53.21 billion yuan in 2018 and rising to 68.69 billion yuan in 2019.Residential commercial housing loans in the total bandwidth of commercial banks accounted for an increasing proportion of many banks have not opened this business have also entered the residential housing loans field,the competition is increasingly fierce.In many people's traditional impression,the Commercial Bank's residential commercial housing loan business does not have the risk,but the fact proves,with the high growth residential housing loan business is accompanying the non-performing loan increase.For example,Game Theory analysis can be drawn if the borrower early repayment,commercial banks will suffer losses,must take certain punitive measures to achieve the Nash Equilibrium.In addition,statistics show that up to the end of last year,h city residents commercial housing loans have formed non-performing loans of 320 million yuan,non-performing loans increased more and more residential commercial housing risks.The risk of commercial banks eroding the national assets is present.Because at present commercial banks are profit-oriented and ignore the development of compliance,there will be irregularities in order to obtain the profits of the residential commercial housing loan business,therefore.The People' s Bank of China implemented different monetary policies to adjust the amount of funds in the market,thus realizing theThis paper analyzes the problems existing in the supervision of Commercial Bank' s residential commercial housing loan business by the h municipal government(that is,the People' s Bank of h city and the sub-bureau of banking and insurance supervision),and excavates the reasons behind the problems.In view of the existing problems and reasons,the advanced experience of domestic and foreign commercial banks on the supervision of residential housing loansunder the State Council,through the review of data,on-site inspection and other means of supervision of commercial banks.The People' s Bank of China and the China Banking Insurance Regulatory Commission both have branches and branches in City H.From the current H City People's Bank and banking supervision branch of the supervision of commercial banks,there are some problems,resulting in the final supervision effect is not ideal.For example,the unclear boundary of supervisory duties between the People's Bank of China and the banking and insurance regulatory sub-bureau in city H has led to the existence of regulatory gaps or excessive supervision,and the lack of early warning mechanism has led to more ex post facto punishment and less early warning for the supervision of banks,and there is a lag in supervision,due to the lack of supervision training,the quality of supervision is not high,due to the lack of some laws and regulations lead to the risk of banks can not protect their own interests.This paper takes the supervision of commercial banks by H Municipal People's Bank and the sub-bureau of banking and insurance supervision as an example,this paper analyzes the problems existing in the supervision of Commercial Bank's residential commercial housing loan business by the h municipal government(that is,the People's Bank of h city and the sub-bureau of banking and insurance supervision),and excavates the reasons behind the problems.In view of the existing problems and the reasons,this paper draws on the advanced experience of domestic and foreign commercial banks on the supervision of residential housing loans,and advances some countermeasures for improving the supervision of h city residents'commercial housing loans.