Individual housing loans

The Research of Credit Risk for Individual Housing Loans in Commercial Banks of China

我国商业银行个人住房贷款信用风险研究

In this context , the individual housing loans emerged as new financial products .

在此背景下，个人住房贷款作为一种新的金融产品应运而生。

In recent years , as Chinese rapid growth in individual housing loans , the risk is also growing .

随着近几年我国个人住房贷款急剧增长，其风险也日益加大。

Secondly , the risk and situation of individual housing loans of commercial banks was overviewed and analyzed .

对商业银行个人住房贷款风险进行概述，分析个人住房贷款现状。

Individual housing loans has a rapid development in commercial banks for its large number of customers , high security and other features .

个人住房贷款因其客户数量庞大、安全性高等原因，一直以来都是商业银行重点发展的个人消费贷款品种。

This is the core section of this paper , We built the new index evaluation system of individual housing loans for commercial banks by using factor analysis and discriminant analysis methods .

这是本论文的核心章节，本文采用因子分析和判别分析的方法构建商业银行个人住房贷款新的指标评价体系。

Individual housing loans of commercial banks the risks of commercial banks in the process of an important risk of all the risks in commercial banks occupy an important position .

商业银行的个人住房贷款风险是商业银行经营过程中的一种重要风险，在商业银行的所有风险中占有很重要的地位。

The business of Individual Housing Loans ( IHL ) is only a short ten years of history in China . It did not experience a full cycle test .

我国的个人住房贷款只有短短十多年历史，没有经历一次完整的周期检验。

As of the end of 2008 , balance of individual housing loans reached 2.95 trillion , accounting for 10 % of total RMB balance of commercial banks .

截止2008年底，个人住房贷款余额达到2.95万亿，占全部商业银行人民币贷款余额的10%。

ZH Bank Henan Branch of individual housing loans market is now in the business transition , the future development of the limited space in the national macro-control policy .

ZH银行河南省分行的个人住房贷款业务现在处于转型期，在国家严厉的宏观调控政策下未来的发展空间有限。

From the model used across time for validation sample results , the developed model , predictive ability in individual housing loans in the relatively high , basically reached the expected goal .

从对模型使用跨时间样本进行验证的结果来看，本次开发的模型，在个人住房类贷款中的预测能力相对较高，基本达到了预期的目的。

Individual housing loans from 1985 to date has become the most important varieties of loans in Chinese commercial banks , it is also the most important economic growth points of commercial banks .

个人住房贷款从1985年开展至今已经成为商业银行最重要的贷款品种，也是商业银行最重要的经济利益增长点。

From real estate development loan to the individual housing loans , banks provide a stronger credit support , Because of this policy of support to make our real estate prices rising .

从房地产开发贷款到个人住房贷款，银行都提供了强有力的信贷支持，正是有了这种政策的支持才使我国的房地产价格不断攀升。

This paper provides an implementation plan for the interaction demands management of application approval , loan approval , registration , registration approval and other operations related to individual housing loans .

全文针对申请审批、贷款审核、报备、审批登记、等与个人住房消费贷款相关的操作管理交互需求提供了实现方案。

It has a positive significance on completing individual housing loans system integration and enhancing the orderliness , efficiency and integrity of individual autonomy housing loans management in the future .

对未来完成个人住房消费贷款系统集成，增强个人自主住房消费贷款管理的有序性、高效性和完整性有着积极的意义。

In the early progress of individual housing loans , risk prevention awareness of Z banks is weaker in risk management , and there were other factors have contributed to many problems .

在个人住房贷款进展初期，Z银行由于防范风险意识较弱、风险欠缺管理等因素造成了个贷出现了不少的问题。

The same as the B / S structure of the individual housing loans of high-availability systems directly affect the banks of the individual housing loan business of the normal conduct .

同样作为B/S架构的个人住房贷款系统的高可用性直接影响到银行全国个人住房贷款业务的正常开展。

The method for calculating and settling the interest of all items of Renminbi loans ( excluding individual housing loans ) shall be determined through negotiation between the borrower and the lender .

人民币各项贷款（不合个人住房贷款）的计息和结息方式，由借贷双方协商确定。

As a result of individual housing loans with low-risk , high-yielding the advantages , but also by national policy to support and encourage , the commercial banks have entered the market , therefore , it has rapid business development .

从我国目前的情况看，由于个人住房贷款具有风险低、收益高的优点，同时又受国家政策的支持和鼓励，各商业银行都纷纷进入该市场，因此，业务发展十分迅速。

The fourth chapter has analyzed the individual housing loans , credit risk , operational risk , market risk , with a view to later be able to make targeted individual housing loans of commercial banks , risk management specific recommendations .

第四章，先后分析了个人住房贷款的信用风险、操作风险、市场风险，以期在后面的能够针对性的提出对商业银行个人住房贷款风险管理的具体建议。

At the same time , this paper simulated the 10-year data on individual housing loans , and added time-dependent variables into the mode , which demonstrated it was feasible to measure default probability of the long-term retail loans .

同时，本文模拟了10年期个人住房贷款数据，在模型中加入了时间相依变量，论证了这模型测算长期零售贷款违约概率的可行性。

Study on risk and prevention of individual housing loans of domestic commercial banks , the aim is understood deeply about risk of individual housing loans , it is intensive on risk prevention of the domestic commercial bank individual housing loans .

对国内商业银行个人住房贷款风险及防范进行研究，目的是加深对个人住房贷款风险的认知，加强对个人住房贷款风险的防范。

Another feature is its focus on all the real estate industry , which includes not only the analysis on the credit risk of real estate developers , but also a study on the risk of individual housing loans in commercial banks of China .

而针对整个房地产行业来分析又是本文的又一特点。整个房地产行业的信贷分析是指包括了房地产开发商的理性违约风险分析和我国商业银行对个人住房贷款的理性违约风险研究。

Why Do Potential Risks of Individual Housing Loans Keep Rising The risk evaluation of the real estate is a process of combining the subjective theory with the objective theory , but it is difficult to use describe the evaluation of the potential risks .

房地产投资项目风险的评价是一个主观、客观结论相结合的过程，而对某些武汉理工人学硕士学位论文过程中潜在风险回素或于因素的评价也很难用定量数字来拙述。

Finally , select the individual housing loans relevant customer data of this commercial bank in recent years as a sample , built individual housing loans credit risk assessment model by logistic regression , eventually establishment credit evaluation system of individual housing loans customer .

最后，选取该商业银行近年来个人住房贷款的相关客户资料为样本，通过logistic回归模型构建了个人住房贷款信用风险的评估模型，最终建立个人住房贷款客户信用风险的评价模型。

In recent years , with the further reform of our housing system and constant rise of the house price of cities , desire to buy house are getting stronger , and scale of individual housing loans in commercial banks are expanded rapidly as well .

近几年，随着我国住房制度改革的不断深入以及各地房价的不断上涨，普通消费者购买商品住房的意愿渐趋强烈，商业银行个人住房贷款的规模也在急剧扩张。

Housing finance system has also gone through this evolution , from the full housing allocation policy to the combination of the Mandatory Provident Fund system and the commercial individual housing loans , to the current situation of commercial individual housing loans being leading role .

住房金融制度也经历了这样的演变过程，从完全的政策性分房，到政策性公积金制度与商业性个人住房贷款相结合，再到目前的商业性个人住房贷款占据主导地位。

China has carried out the housing mortgage business since 1997 . with the rapid development of real estate economy , the volume of individual housing loans is also rising the risk appears gradually along with the individual housing loans business start-up time for the total loans increased .

我国自1997年开展住房贷款业务以来，随着房地产经济的飞速发展，个人住房贷款的业务量也一路攀升。伴随个人住房贷款业务开办时间的延伸，贷款总量的加大，其风险逐渐显现。

And individual housing loans to domestic and business risk control theory based on the operating line of credit risk of individual housing loans from the enterprise risk control culture , risk prevention and monitoring , and transfer of risk to quantify the areas and measures put forward a five-point .

并以国内外个人住房贷款业务风险控制理论为依据，对该经营行个人住房贷款信贷风险控制从企业风险文化建设、风险预防及监测、风险的量化及转移等方面提出了五点建议和措施。

In early 1998 , the overage of the national individual housing loans is only 19 billion yuan . And by the end of 2009 it had reached 4.4 trillion . Recently the individual housing loans have been keeping the high growth of about 30 % .

1998年初，全国个人住房贷款余额仅为190亿元，而到2009年底达到4.4万亿，近两年个人住房贷款保持30%左右的高位增长。