k management requirements. Р2.2.4 other risk management РThe legal system of credit nature, make bank can make full use of the legal system of credit asset protection means safety, dissolve the credit risk assets. Р1 Accountability the responsibility of breach of the borrower РIndustry merce bank should resolutely safeguard the rights of the creditor, strictly investigate the borrower's breach, ensure the safety of the credit assets Р2, make full use of the legal means to avoid risk the mortgaged property РAt the time of loan origination, banks must be through a variety of measures to protect the Bank to dispose of the collateral rights. Р Р3. carry out the "Credit Center" model of risk management of personal housing loan 3.1 One is the optimal process, improve the marketing enthusiasm.……