Risks Analysis On Loans Of Real Estate Development

In 2007, the price in the real estate dropped and many debtors who buy a house on mortgage could not pay for their debt so may mortgage lenders collapsed. The biggest sub-prime issuer New Century Financial Corp. applied to be protected by bankrupt, who marked the sub-price crisis broke all around in America. Under the influence of Economic Crisis, real economy becomes worse. The export of China was impacted too and the value of exports reduced greatly. Because the ways of investment are little, the surplus money from manufacturing mills is invested to real estate industry. Many real estate companies begin to buy land and the prices in land are higher and higher. The market of real estate is hot and the price in commercial residential building rises sharply. So the price in commercial residential building goes further which stimulates more companies borrows money from commercial banks to invest real estate industry. To loans for commercial housing building buyers, the value of loans for real estate developers is large and concerns many departments. Once borrowers can not pay back the money, commercial banks will suffer from big loss.So the paper chooses loans for real estate developers as research subject to study how commercial banks reduce these loan risks in the new situation. This article first elaborated some elementary theories about the real estate credit risk, Combination of commercial Banks in China real estate loans from the development situation, we analyzed the influence of commercial Banks in China real estate development loan risk factors, and the application of hierarchical analysis method of a commercial bank residential sunshine real estate development loan business faced all kinds of risks for the quantitative evaluation of the weight of the credit risk control, the empirical analysis, and finally focused on commercial Banks from all kinds of aspects, and puts forward how to prevent housing credit risk management measures and Suggestions.The main research contents are as follows:First, based on the basic theory of housing credit risk and the theory of real estate in the credit, the paper defines the premise of real estate, the credit classification, and analyses the cause of housing credit risk from the information economics and credit funds of the behavior problems.Secondly, base on the research status of the real estate industry development in China, real estate development loan has many risks, in order to further analysis of these credit risks, to its classification, and explains in detail the various risks and causes.Again, use analytic hierarchy process (AHP) analyzed housing credit risk. From the macroscopic and microcosmic Angle, full consideration from the market, the government and enterprises, etc., and risk factors can reflect the real credit risk, and an important indicator in rizhao a residential real estate development of commercial bank loan business faced all kinds of risks for the quantitative evaluation of the weight of the credit risk control, the empirical analysis.Finally, the commercial real estate development bank loan risks. In real estate development loan risk evaluation and analysis on the basis of commercial Banks in China, from the view of government, commercial Banks and real estate enterprises from three aspects: the credit risk of real estate preventive measures and Suggestions.The main innovations are as follows:(1) Constructing housing credit risk evaluation index system, and use APH to analyze our country commercial bank credit risk factors(2) The specific case about a residential area in rizhao , the influence of commercial bank credit risk factors of hierarchical analysis, each risk factor for commercial Banks, commercial bank risk management provide the theory basis.