A Case Study Of Real Estate Credit Risks And Precautions In J Branch Of China Postal Savings Bank

The house is a special product for China, owning a house has become one of Chinese people’s life goals. The real estate industry in China belong to the pillar industry, it can stimulate the development of multiple industries and thus promote economic development. In recent years, with China’s rapid economic development, the real estate industry is also expanding, for the real estate business of commercial bank real estate credit business has been rapid development. In the process of rapid development, but also hidden a certain real estate credit risk.China Postal Savings Bank J Branch set up more than eight years insisted that support local economic development, support for small and medium micro enterprise development as the focal point and the starting point of the work, in the "three rural" basic financial services, small and medium micro enterprise development, people’s livelihood and social security services, urban and rural settlement system and other aspects of a lot of work. In the process of changing macroeconomic, J branch business continues to expand in the process, especially real estate credit business in this process has been rapid development, has accumulated a certain amount of risk, the main risk for the newly established financial management system is relatively weak the entire community of the financial system there are some risks to financial stability.By asking questions, analyze problems, problem-solving ideas study J China Postal Savings Bank branch real estate credit risks and preventive measures. First, segmentation studies abroad, summarize and categorize and present a variety of risk management theory advanced experience and practice of commercial banks to find an appropriate reference for the perfect J Branch risk management system; secondly, by the real estate credit risk definitions, Asymmetric theoretical analysis, a comprehensive analysis of risk management theory, modern portfolio theory and other theories. Analysis analysis stage J Branch risk management system needs to be perfected; again, through research and analysis the relationship between J Branch real estate credit business development and risk management between the and summarize the pros and cons J Branch risk management system, the proposed J branch risk cases in recent years, in-depth analysis of J Branch risk management system deficiencies through SWOT analysis. Finally, J branches provide effective risk management system to improve the program.China Postal Savings Bank branch J inherits the characteristics of the sound operation of the traditional state-owned commercial banks, but also has business momentum emerging banks under the distinctive features, making J Branch become the region’s financial sector in a particular financial institution. J branch in credit risk management system to establish the process, since not experienced a complete economic cycle test, quality risk system remains to be tested. "Robustness of efficiency, epidemic," the three principles of banking operations, therefore, J branch in the process of development, we must establish a comprehensive risk management system, the implementation of the internal control system in order to make more healthy J Branches development of.