At present, there are still 1 1 banks whose personal housing loans exceed the regulatory requirements, which will bring the following risks: in the first half of this year, many banks reduced the proportion of housing-related loans; Some banks close to the regulatory red line are busy reducing personal housing loans, while others with a low proportion of personal housing loans have increased their investment in personal housing loans. The high proportion of individual housing loans will lead to interest rate risk, and the change of interest rate will bring inevitable economic risks; Most of the bank's sources of funds are long-term, which will lead to its long-term operation with short-term funds, resulting in the risk that cash payment can not meet the payment demand; The decline in house prices will exceed the original budget of buyers, and it will also cause certain risks to the loans of commercial banks.