Land Reserve System Under The Commercial Bank Risk And Control

Land Banking Institutions as a powerful tool of land market adjusting and controlling, have been set up everywhere recently. Substantial capital support is necessary to carry out land banking work, and region government entities set up tight relationship with local commercial banks. Currently, compete for high quality clients, especially high quality super clients is the competition focus of commercial banks. Being lack of credit market and the competition strategy of financial institutions trend to same, how to consolidate and extend high quality clients colony, create a continual developing high quality operation chain, in order to seek breakthrough of the market, is the working point of commercial banks. These years, with the development of city management strategy, financial institutions especially state commercial banks have been exhausting many ways to compete for the proprietary of fronting for land reserve operation. Considering that land banking purchasing institutions established are authorized by government, own plenty of land, stable and credible guaranty, commercial banks regard Land Banking Institution with comparatively stability, and comparatively financial risk, so each commercial bank wants share this cake. Some of them even commit kinds of favor to get it at any cost. Admittedly, full involved to the operation about land banking, it is not only aligned with the national financial policy and credit guideline, but also helpful to the consolidation operation of credit fund. Then, is Land Banking Institutions really without any financial risk while bringing in stable and substantial interest income, regarded by many commercial banks In fact, it is not the truth. Because governments involved deeply in kind of loan operation, there are some problems that exist in many aspects which can"t be ignored. So, how to expand the sales of land reserve loan operation while avoiding the risk, is a research topic that we are going to address. The thesis is extended to introduce the origin and the background of the land banking system, to discuss the operational mode of the commercial bank land banking institution, comb through the loan status of the commercial bank land banking institution, summarize the problem that still exist and measure to check risk, in order to improve the progress of the commercial banks land banking institution's operation. There are four parts of the thesis. First is the basis detail of commercial bank land banking institutions, then point out the application analysis of Land Banking Institutions in China, which is the background that commercial banks involved in this operation. Then, analyze the major risk that existing in the commercial bank land banking operation. Finally, is the counter measure analyzing of commercial banks that avoiding the loan risk of the land banking institutions. According to the special application of land banking system in China, the elaborated all side about the risks that the commercial bank would encounter and the corresponding measure to check risk. Pointing out that commercial bank needs to enter land banking operation with selective under risk control. The thesis gives the actual operation example about the land banking credit operation of the commercial bank, and demos the actual situation, management character, declaring documents, examine and approve conclusion of a commercial bank as the example. It is helpful to comprehend the risk of this operation and the risk control.