The Analysis of the Risk of the Personal Housing Mortgage Loans in Our Country's Commercial Banks

This paper first expounds the development of the housing mortgage loans in China's commercial banks and the risk of this business,the reality and necessity to strengthen the risk prevention system of the commercial banks.Secondly,according to the characteristics of personal housing mortgage loans and its external influences,it makes a detailed analysis of the eight major risks in personal housing mortgage loans in China's commercial banks.Finally,it advances we should take the risk prevention measures to prevent the risks faced by China's commercial banks in the personal housing mortgage loan business.