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Mortgage banking management information system development and design

Abstract: At present individual housing loans has become a banking credit one of the main source of income. Gradually become deserted in the face of the real estate market, banks feel enormous pressure. To reduce the decrease in mortgage banking profit level of impact, we must develop a good credit from the channels and strengthen the credit risk control, such as the two main aspects. Establish a rational pricing mechanism of credit to businesses and individuals of good credit as the extent of loans and loan interest rates based on a decision. Based on market changes and the behavior expected of the Government to adjust credit structure and size.
This article will choose a commercial bank housing loans to customers based on data, the use of data mining technology, one of the ASP.NET 2.0 development tools and SQL Server 2005 database to the data-depth analysis, building personal mortgage risk rating assessment model .

Key words: personal mortgage banks; SQL; ASP.NET 2.0













Preface
Research purposes and significance of
The purpose of this task is through this management system design, understanding of modern management of all aspects of mortgage banking technology, mortgage banking management systems have a more systematic understanding, to design a more comprehensive banking mortgage management system. At the same time, but also set foot on for the future society, access to the corporate offer some help.
Background topics
With the computer and network technology, rapid development, Internet / Intranet applications in the growing worldwide popularity of today's society is rapidly advancing to the information society, information, automation of the role has become increasingly large, so that we liberated from the complex transaction out to improve our work efficiency.
    Based on market changes and the expectations of government action to adjust the credit structure and scale. Since the country began to housing reform since the bank's individual housing loans will continue to grow and has become a banking credit, a major source of income. For domestic banks, individual housing consumer credit is the most active banking business, good management system can be more effective, real-time to carry out banking business.
Research contents and methods of
According to e-banking simulation system's overall planning, individual home loan bank loan management system is a functional module, its functions include: system for customers to credit score, to determine its credit level, and according to different customer's different requests, providing customer's credit total score indicators to assess the information and a list of customers the credit assessment of the total list of services score results
Development of a bank mortgages

1.1 Study of the U.S. sub-prime
1.1.1 U.S. sub-prime mortgage market crisis, a review of
2001 "9? 11" incident, the Federal Reserve cut interest rates 13 consecutive times, stimulated by low interest rates, the U.S. real estate market school of prosperity, the subprime mortgage market also will be developed rapidly. Heating in the property market when the risk of these loans is not high, bad debt rate has remained at a very low level. In order to be able to find almost deprived of accommodation among the fierce competition, many lenders lowered the credit for all borrowers threshold. At the same time, the intensification of competition among lending institutions spawned a variety of high-risk sub-prime mortgage products; other hand, in the context of high prices (assets greater than liabilities), the borrower was unable to repay loans, can through the sale of houses to pay off debt, again with more liberal terms of access to new loans. Making subprime loans, lending institutions and borrowers are also thought that, if there is repayment difficulties, borrowers only need to sell their houses or refinancing mortgages on it. But in fact, once the housing market cooling, the borrower is difficult to sell their own homes, housing values may also be insufficient to repay the remaining loan dropped to the point. Wall Street stock and credit analysts have been issued "bullish" report to induce investors, even if the loan defaults rising did not even have to stop; regulators are doing nothing. Deutsche Bank said in a report issued in 2006, all the sub-prime, by such "liar loans" accounted for 40%, while in 2001 the proportion was 21%. According to Federal Bureau of Investigation (FBI) figures released by the banks and other lending institutions to report "suspected" cases of mortgage fraud, the number doubled between 2004 and 2006.
As early as 2004, according to price, price / rent ratio, coefficient of disposable income, the vacancy rate, housing turnover, price / earnings ratios and other indicators to measure, Goldman Sachs has identified the United States house prices overvalued by 10%. Because of economic overheating, the Federal Reserve since June 2004 to mid-2006 a row 17 times to raise the federal funds rate, the federal funds rate has been increasing from the early 1% to 5.25%, no significant change in the income case, mortgage credit of annual increasingly heavy burden of repayment (otherwise sub-prime market lending rate mortgage than the Bulk High-2% ~ 3%), so that mortgage default risk of those increasingly likely to become a reality in some areas, prices even began to decline, mortgage immediately started to become a high a high-risk business. Meanwhile, the U.S. real estate market since 2006, the rapid cooling. On the one hand, the house shot become increasingly difficult (to buy up not to buy down), on the other hand, sellers may not be obtained to help borrowers pay off the loan. lWww Morgagesmortgagelending Category Camera Morgages Mortgage Lending asp银行房贷管理系统asp mortgage banking management system-ASP-毕业论文-毕业设计p j 0 nWww Morgagesmortgagelending Category Camera Morgages Mortgage Lending asp银行房贷管理系统asp mortgage banking management system-ASP-毕业论文-毕业设计w 0 Morgages 0 Morgages Mortgage Lending