張科

In 1998， China started to roll out the housing system and the financial system?in all respects. Against this background， personal housing loan business has become the profit pillar pursued by numerous commercial banks. With the ease of personal loan business of commercial banks and governments， there are many risks in the impact of personal loan business， including the emergence of many real estate bubble， fake income certificate， malicious speculation， and in term of commercial banks， risk assessment system failed to be established in a timely and effective manner and personal credit has not been strictly vetted during the business development process， which result in a lot of risks and losses of commercial banks in the credit process. In this context， China's commercial banks are in need of adjusting themselves， improving relevant systems， and carrying out strict credit examination and approval so as to cope with the risks of personal housing loans.

Preventive measures of personal housing loan risk

1 Reference of International Experience

2 Strategies for coping with external macro environmental risks

3 Strategies for coping with developer risks

4 Strategies for coping with borrower risks

5 Strategies for coping with operational risks of banks

As the price of the real estate market hikes， the whole country has carried out comprehensive control over the real estate industry in the past two years from restraining the demand for investment housing， increasing the supply of affordable housing， strengthening market regulation and so on， and the regulatory effect has begun to show， such as the price expectation of developers continues to rise， the investment greatly suppresses the housing demand， and the living conditions of low-income people continue to improve. In the short term， the adjustment of real estate policy will have a significant impact on all related entities， including local governments， developers， commercial banks and buyers. The real estate market will cool down， the market volatility will increase， and the growth of personal housing mortgage loans will slow down. However， in the long run， with the sustainable development of China's economy， the rapid growth of residents' disposable income and the acceleration of urbanization， the construction of China's real estate market is conducive to the development of China's real estate market. For the first time in a long time， residents' housing demand will effectively improve the sustainable development of the real estate industry. Against the current relatively single financing channel environment， predictable personal housing mortgage loan business will continue to play the role of the main financing channel for a long time.

（北京工商大學(xué)嘉華學(xué)院 北京 101118）