In the fierce competition of market economy, commercial banks actively develop housing loan business. Although financial innovation is still in the initial development stage, it is not satisfactory as a new profit growth trend of commercial banks. Commercial banks have innovated one after another and seized market share by providing various housing repayment loans to establish their strong market position. However, the management legal system formulated by commercial banks in China for housing loan business is still a mere formality. Under the background of the increasingly serious real estate bubble, the credit risk, market risk and operational risk of housing loan business of commercial banks are gradually emerging. The subprime mortgage crisis in the United States has sounded the alarm for the housing loan risk management of commercial banks. Taking history as a mirror, we should pay attention to the potential risk of this high-quality asset, improve the risk management ability and enhance the core competitiveness of commercial banks in China.

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