Analysis of Risk Prevention of Personal Housing Mortgage Loans in the Primary Commercial Bank

In recent years,individual housing mortgage loans of primary commercial banks in China has developed rapidly.Since these loans involving multiple parties,a large amount of money and a longer duration,credit risk,collateral risk and operational risk of banks has appeared gradually.With the continuously expansion of mortgage business,commercial banks faced more financial risk.The analysis of risk and reason of individual housing mortgage loans of commercial banks can provide appropriate preventive measures for commercial banks to effectively prevent the risk of personal housing mortgage loans.