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International Conference on Engineering and Business Management (EBM 2010 PAPERBACK)

Chengdu,China,China,3.24-3.26,2010

ISBN: 978-1-935068-05-1 Scientific Research Publishing, USA

Paperback 6066pp Pub. Date: March 2010

Category: Engineering

Price: $280

Title: The Analysis on the Default Risk of Individual Housing Loans and Countermeasures
Source: International Conference on Engineering and Business Management (EBM 2010 PAPERBACK) (pp 4324-4327)
Author(s): Yi HU, School of Economics, Huazhong Normal University,Wuhan P.R.China, 430079
Deping MEI, School of Economics, Huazhong Normal University,Wuhan P.R.China, 430079
Abstract: Abstract: The important type of risk on individual housing loans is default risk that the borrower will simply not repay the loan due to either dishonesty or plain inability to do so. If the immediate risk of moral hazard is ignored, the inherent source of default risk of individual housing loans lies in the instability on the expectations, including income expectation, house prices expectation and interest rate expectation. By analyzing, there are a number of factors in income, house prices and interest rate that may lead to the risk increase of individual housing loans in the future. So the commercial banks should be very cautious and prudent on individual housing loans. The banks must give full consideration to the time lag of results obtained by measures, find the balance between risks and rewards in a long time, and take reasonable countermeasures to prevent and control the default risk of individual housing loans.
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