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Rapid development of real estate industry in our country to housing mortgage loan scale unceasingly expands, the individual housing mortgage has become a commercial bank loans, as an important part of the blow to the loan risk management raised very tall requirement.
In recent years, the rapid development of our economy, the acceleration of urbanization, the income level of resident improving and residents to improve living conditions of the desire to promote rapid development of real estate industry in our country. Meanwhile, our country commercial bank individual housing mortgage loan business growth accelerated, corresponding scale of individual housing mortgages loan granted by icbc has become one of the main fields. The U.S. subprime mortgage crisis broke the mortgage is high-quality property of myths, has also given China's real estate market and commercial Banks a good warning that we should be proud of them. Therefore, strengthens to the individual housing mortgage loan risk assessment, seriously study personal housing mortgage loan risk of preventive measures, and personin front of commercial Banks in China as an important issue

第一段：To promote the rapid development of real estate mortgage loans have been expanding, personal housing mortgage loans commercial bank loans have become an integral part of risk management which made the loan a very high demand.
第二段：In recent years, China's rapid economic development, accelerating the urbanization process, the improvement of income levels and improve the living conditions of residents eager to promote the rapid development of China's real estate industry. At the same time, China's commercial banks personal housing mortgage loan business to accelerate the growth of the corresponding scale, personal housing mortgage loans bank lending has become one of the main areas. U.S. subprime mortgage crisis is breaking the myth of quality assets, but also to China's real estate market and commercial banks a good warning, and we should learn a lesson. Therefore, the strengthening of personal housing mortgage loan risk assessment, carefully study the risk of personal housing mortgage loans to preventive measures, is placed in front of China's commercial banks an important issue

the fast development of China's real estate prompts the scale of the estate mortgage larger and larger, personal estate mortgage has become the main part of commercial bank loan provision,so it makes a much higer demand for risk management on loan.
这是第一段

recent years, China's economy grows fast, the urbanization grows fast as well,people earn more and have more demand on housing conditions, all of which makes China's real estate grows fast. Meanwhile, personal business on estate mortgage loan of commercial bank gros fast too, which is becoming a main area of bank's loan provision. the American subprime crisis breaks the fable that estate mortgage is high quality. it also warns China's real estate market and commercial bank ,which we should learn. So an important problem is to be solved by Chinese commercial bank that the risk estimation on personal mortgage should be strengthened, the alert stratagy of personal estate mortgage risk should be strictly researched.