The Research Of Real Estate Credit Risk Prevention Mechanism In Qingdao A Bank Of China

Real estate market booming in the banking and financial support to establish the basis of information asymmetry between borrowers and lenders by the borrower moral hazard, banking operations is not standardized, many behavioral factors in Chinese Commercial Banks There are many areas of real estate credit potential risks. Once the occurrence of large fluctuations in the real estate market, real estate credit crisis will be inevitable, is sure to commercial banks, and even the smooth functioning of the economy offers great was impacted research how to effectively prevent the production of real estate credit risk has strong theoretical and practical value. In this paper, according to the perspective of commercial banks in real estate credit risk on mechanisms, manifestations and prevention mechanism composition and so on. To Bank of China, Qingdao A Branch, for example, the status of its real estate credit, risks to the existence of the lack of preventive measures carried out a detailed exposition on this basis build a commercial bank focused view of the real estate financial risk prevention mechanism.This first part of this paper is about the real estate market in Qingdao, and real estate development process and the status of the credit market commentary, this study laid the background and starting point. Credit risk from the real estate content and features, types and impact of the formation and conduction mechanism of credit risk in real estate overview. From the real estate credit risk prevention mechanisms constitute the two aspects of production and real estate credit risk prevention mechanism of the content were discussed, with emphasis on domestic and foreign scholars on the real estate credit risk prevention mechanism for the review and comment.Next part of this paper is about the Bank of China, Qingdao Branch real estate development status of credit and credit risk evaluation, and analysis of the Bank of China Qingdao Branch real estate credit problems. That there is now real estate development loan repayment sources of uncertainty, personal housing mortgage loans increased probability of default risk, credit risk of real estate over-concentrated in the banking and real estate market irregularities caused by excessive competition in lending and other issues, real estate The outbreak of the credit risks of potential hazards buried. A branch of the Bank of China, Qingdao real estate credit risk prevention ability of some, on this stage, the Bank of China, Qingdao A branch real estate credit risk management and internal risk control processes are analyzed, combined with the Bank of China Qingdao A Branch Room A real estate business credit risk problems facing the author argues that the Bank of China, Qingdao A branch of real estate credit risk prevention there are imperfect credit risk evaluation system, credit loopholes before the survey, real estate loans and there is insufficient monitoring of the houses, money, bank's internal management mechanism is not sound and so on.The construction of preventive mechanism is the research focus of this article, the article A branch of Bank of China, Qingdao real estate credit risk prevention mechanism to build. Analyzing the credit risk of bank real estate operations in the field could focus on prevention, that is within the real estate credit in the banks involved in project process, management mechanism, the system environment and operating personnel to improve and enhance the links, and semi-controlled areas borrowers effective control of information. Real estate credit risk prevention mechanism is mainly covered the risk early warning and monitoring systems, risk assessment and monitoring system and standard operating procedures of real estate credit. On this basis, in order to protect the building's real estate credit risk prevention mechanism of the well-functioning, effective promotion of measures is necessary. This article from the credit process, operational measures, institution building, organizational structure and personnel and encouragement, the preventive mechanism is effective Constructing the main points and main measures implemented.