Fault tree analysis for housing mortgage market in China

Along with the level- of urbanization speeding up, in China, townsman more and more urgently demands to buy house, but housing mortgage market. exists many problems. This paper tries to;use Fault Tree Analysis (FTA), from the buyers (the borrowers) ,insurance companies, commercial banks to analyze that they may result in top event (the buyers don't buy house) failure. And then it calculates structure importance of each basic event. The author puts forward; countermeasures regarding to the problems of the buyers, insurance companies and commercial. banks. These countermeasures help to government making rules, insurance companies expanding businesses. and commercial banks avoiding risks. It makes up integrated housing mortgage market system, activating real estate market, making it becomes a new economic growth point.