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Analysis and Prevention for Risk of Our Residential Mortgage Loan

Author: SongQiaoLing
Tutor: LiuWenChao
School: Southwestern University
Course: Finance
Keywords: Personal housing mortgage loans Risk Management Factor Analysis Countermeasures
CLC: F293.3;F224
Type: Master's thesis
Year: 2011
Downloads: 448
Quote: 3
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Abstract


Residential mortgage risk research has been the past few decades the world's financial institutions and real estate-related sector studies and discussions focused on topic. Since our welfare housing system was phased out and the implementation of monetization of housing consumption, commercial banks are carrying out personal housing mortgage loans, buy individual housing for the residents to provide financial support. China's real estate market in recent years has experienced a rapid development of the residential mortgage business has gradually universal. This article is mainly through normative analysis and empirical analysis, qualitative analysis and quantitative analysis method of combining individual housing mortgage loans to identify the risk factors affecting the formation, according to the results of the actual situation of our national measures accordingly. Firstly, this paper introduces the background, content and methods, frameworks, and scholars in the field of personal housing mortgage research situation. Then, the individual housing mortgage loans underlying theories were reviewed, including the theory of personal housing mortgage loans as well as its risk-related theory. There are personal housing mortgage concept, repayment methods, characteristics, history, risk definition and types. Then, the individual housing mortgage market is relatively mature risk management experience quote, thereby combining the aspects of the operation status of the relevant draw inspiration for the later proposed to improve and standardize the field of personal housing mortgage loans have a very developed countermeasures Great reference. Next, the analysis of the personal housing mortgage loan risk management situation and the existing problems, summed up China's residential mortgage risk occurrence causes for later empirical studies play a fundamental role. The empirical aspects, first select the variables, the factors are divided into four dimensions: the borrower dimension lenders dimensions, housing conditions and economic dimensions of environmental dimensions, respectively, in four dimensions for target selection. Depending on the selected variables collected a few commercial banks personal housing mortgage defaults sample software in order to facilitate the analysis of the sample data for the corresponding classification and quantification. Then the selected variables using factor analysis to identify major influencing factors, and find their scoring matrices, in order to understand the impact of the corresponding variable degree of risk more effectively control risk. Through empirical analysis of the results and the combination of China's actual situation, proposed to prevent the risk of personal housing mortgage loans related measures: (1) to refine and improve our personal credit regime: strengthening personal credit information system of laws and regulations, establish a complete personal credit evaluation mechanism; create a personal credit risk early warning and monitoring mechanisms. (2) improvement and standardization of the bank's internal management system: to strengthen the personal housing mortgage risk management awareness; raise banks' residential mortgage risk management; enhanced the loan before the audit and post-loan monitoring efforts. (3) to promote innovation in the personal housing mortgage market running smoothly: the development of different residential mortgage products to meet different customer credit rating; combined with China's actual situation, to promote personal housing mortgage loan securitization; improve the personal housing mortgage loans Insurance guarantee mechanism. For commercial banks to effectively carry out individual housing mortgage loans provide a scientific basis for risk management and reference. Finally, a summary of the paper, noting that the process of writing this paper, the existence of deficiencies and the next step of the outlook, hope in future studies to overcome the limitations that exist in all aspects, to establish a rational individual housing mortgage loans quantitative risk analysis model, improving the personal housing mortgage loan risk index evaluation system; apply effective comprehensive personal housing mortgage loan data for analysis, allowing researchers continue to improve, more real reliable and practical significance.

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CLC: > Economic > Economic planning and management > Economic calculation, economic and mathematical methods > Economic and mathematical methods
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