| Chinese real estate industry as a leader of the tertiary industry, the growth can not be separated from the support of commercial banks, because the characteristics include large-scale investment, the funds own less, long development cycle, the capital occupied by large and slow recovery time and so on. At the same time, these features have also determined that high yield of real estate development loans coexists with huge risk. This article from this point, it carries out a detailed analysis of the situation about the real estate development loans of A Bank of China, Liaoning Province Branch and gives the risk management response.First of all, it expounds the classification of real estate credit risk, the risk characteristics of real estate development loans and risk transmission mechanism of real estate loans and so on in this article. Secondly, the status of macro real estate market is presented, meanwhile a detailed analysis of real estate credit business situation and the development of the real estate market in Liaoning Province, combined with the real estate loans operations of A Bank of China, Liaoning Province Branch to analyse risk management and the main existing problems of real estate clients in Liaoning Province Branch. Finally, it is the above-mentioned analysis of a number of issues raised by summing up the thinking so that it reinforces credit risk control, carries out a comprehensive risk management, strengthens authorized management system in real estate development loans and builds the real estate project evaluation system to formulate the specific risk prevention strategies of real estate development loans of A Bank of China, Liaoning Province Branch.From preventing credit risk perspective of real estate development loans of A Bank of China, Liaoning Province Branch, it highlights the scientific management and risk control, citing data from different angles, to put forward the guiding solution. |
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