Commercial Banks Real Estate Credit Risk Of Legal Control

After　China　held　2008　Olympic　games　and　2010　World　Exposition　successfully,　the　price　in　the　real　estate　industry　is　increasing　in　speed,　especially,　in　the　Beijing　and　Shanghai.　In　my　opinion,　looking　at　the　price　in　the　real　estate,　although　most　people　have　invested　in　the　real　estate　industry.　But　there　is　still　not　a　lot　of　"bubble"　in　the　real　estate　industry.　The　Chinese　government　legislated　a　lot　of　financial　policies　and　regulations　to　make　the　macro-control　to　prevent　the　financial　crisis.　The　money　of　making　and　buying　the　real　estate　industry　mostly　came　from　the　commercial　banks.　A　lots　of　the　real　estate　industry　loan　have　brought　the　credit　risk　to　the　banks.　If　these　risks　blow　up,　it　must　destroy　the　development　and　stabilization　of　China's　economy　badly.　How　to　prevent　the　credit　risk,　how　to　create　the　new　financial　technique　to　separate　the　credit　risk　of　commercial　bank,　is　the　most　important　thing.　The　State　Council　of　China　has　authorized　"Real　Estate　Securitization　"　recently,　that　will　improve　the　credit　risk　of　real　estate　obviously.　So,　this　paper　will　analyze　a　subject　"The　some　legal　problems　of　real　estate　credit　risk　in　the　Chinese　commercial　bank".　　The　paper　consists　of　four　chapters.　The　first　part　introduces　the　newest　regulations　and　policies　of　real　estate　of　China,　and　how　it　works　on　the　commercial　bank.　The　second　part　is　about　the　reasons　and　results　of　the　real　estate　credit　risk,　it　maybe　brings　the　financial　risks　to　the　commercial　banks　of　China.　In　the　third　part,　there　is　a　case　about　the　"credit　crisis"　to　analyse　the　risk　of　the　commercial　banks.　To　Improve　the　regulations　and　protect　the　credit　safety　of　banks　is　very　important.　In　this　part,　I　also　introduce　some　kinds　of　regulations　to　measure　the　estate　credit　risk　and　how　to　make　the　estate　credit　plan.　After　that　we　will　use　these　regulations　to　improve　the　management　of　estate　credit　risk　in　Chinese　commercial　bank.　In　the　last　part,　according　to　the　"Real　Estate　Securitization"　of　commercial　bank　and　the　some　regulations　of　China,　I　will　do　an　analysis　and　suggestion　to　improve　real　estate　credit　risk　management　of　China　commercial　bank.