Risk Management of Personal Housing Mortgage Loan from the Angle of Secondary Loan Crisis

The sub-loan crisis,which caused by the three factors of individuals housing loans quality,the macroeconomic situation and financial innovation,is the regularity inherent in realism of the individual housing loans risk management.By contrasting the personal housing mortgage loan business in China with the mechanism of sub-loan crisis in the United States,we can understand whether the business in our country is faced with potential risks,and whether there is the possibility of the outbreak of the crisis.At the same time,we can make some judgments about the performance state of the business,provide a certain degree of enlightenment about the effective control of China's personal housing mortgage loans risk.