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摘要：Along with the development of the financial globalization, the credit risk management of commercial banks become increasingly complex in our country. In China, the house prices has been rising constantly in recent years.

ssibilities of Housing Prices Falling 23
4.2 Analysis on the Influence of Housing Price Fluctuation to Individual Housing Credit Risk of Commercial Banks in China 24
4. 2. 1 Influences of Real Estate Price Fluctuation to Individual Housing Credit Risk 24
4.2.2 Analysis based on the Behaviors of Commercial Bank 28
4.2.3 The analysis is based on the behaviour of real estate developer. 30
5 Individual Housing Credit Risk Management Strategy for China's Commercial Bank under Housing Price Fluctuation 31
5.1Policies for Controlling the Abnormal Fluctuation of Housing Price 31
5.1.1Playing the Role of Government in Regulation and Control 31
5.1.2 Transparent and Public Disclosure of the Housing Market Information 34
5.1.3 Standardize the Real Estate Market Competition Order 35
5.2 Management Strategy Advices for Guarding against China's Commercial Banks Individual Housing Credit Risk 36
5.2.1Establish and Perfect the Individual Credit System Gradually 36
5.2.2Strengthen the Inner Credit Risk Management of Commercial Banks 37
5.2.3 Steadily Promoting the Healthy Development of the Securitization of Housing Credit Assets credit assets 38
5.2.4 Stregthen the Government’s Supervision and Management to Individual Housing Credit 40
6 Conclusion 41
Acknowledgement 43
References 44

1 Introduction
1.1 Background and Research Meaning
Since the 1990s, along with the financial market being increasingly complex, and the unceasing development of financial derivatives, individual housing credit risk of commercial bank presents the phenomenon of enlargement and globalization of impact scale, therefore, it is https://www.51lunwen.org/yjjhs/2012/0618/2010278893.html crucial for the banking industry to develop a more perfect risk management system and scientific risk management means. For China, the current financial market liberalization is still at the primary stage, the development of individual housing credit is also late, so the housing credit risk will also be the risk the commercial bank shall concern.

References
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(3) Li Wei. Revelation of International Individual Housing Mortgage Risk Prevention [J]. Dongyue Tribune, 2006 (02) (4) Cheng Jianping. Discussion on Potential Risk of Current Real Estate Loan in Banks and Measures [J].Guangxi Rural Finance Research, 2007 (02) (5) Yu Peiwei. Effectiveness of American Macro Adjustment Policy on the Real Estate Market Changes[J].Economic Outlook the Bohai Sea, 2007 (05) (6) Wang Fulin, Jia Shenghua, Review of Default Risk Theory of Individual Housing Mortgage Loan in Foreign Countries and its Revelation [J].Hainan Finance, 2004 (07) (7) Shen Hongbo, Chen Yujing Basic Characteristics and Trend of Current American Real Estate Market[J].Macro Economics Research, 2007 (06) (8) Yuan Zhifang, Fan Xiaoyan, Rational Foam Analysis of Real Estate Market [J].Economy Research, 2003 (03) (9) Zhang Jie. Why there is the frequent defaults of housing credit customers? [N] Financial Times Paper, 2003, 2
(10) Dong Yuexian. Establish housing credit risk prevention mechanism. [J] EconomyReference Paper 2003, 3
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