Agricultural Bank Of China Jilin Branch W's Analysis Of Commercial Property Loans

Agricultural Bank of China Jilin branch commercial property loans risk analysis China 's real estate market has experienced 14 years of development, China has become the important pillar industry of national economy, and promote the development of dozens of related industries. The real estate industry as an important capital intensive enterprise, from development to sales and banks have close relations of cooperation, real estate credit business of commercial banks as credit assets important component, in the Agricultural Bank credit business occupies the position of play a decisive role. At the same time, the real estate industry is the biggest risk of bank credit assets of part of the assets, in the current real estate adjusting control policy, the residential real estate has accumulated a certain risk, consumer escalation in the background, the tertiary industry proportion enhances unceasingly, the commercial real estate market has great development potential. However, in the face of the country to the real estate a new round of regulatory policy, the financial means of adjusting control still serves as a key, commercial banks on housing estate in more cautious, but with the rise of the tertiary industry, service industry the proportion is increasing, the commercial real estate value highlights. So, how to do a good job of business property loan project risk control, strict project access, accurate evaluation of commercial real estate project value, to guarantee bank loan project safety, profitability, liquidity has important significance.Commercial property loans as a new loan project, from all walks of life to its understanding is not much, the first chapter of this paper focuses on the Agricultural Bank of China Jilin branch business property loan development, the first section from the clear operating property mortgages with similar products; combined with industry development status, section second introduces management of property mortgage origin; section third describes the commercial property loans to bank loans and positive role.The second chapter focuses on Jilin Province agricultural business property loan market environment analysis, because of business property loan on the property market of higher environmental requirements, therefore, this article on the project the market environment analysis. The first section from the city traffic construction, city greening reformation two aspects focus on city environment analysis; section second in Changchun city land market analysis, through to the 09, 10 Changchun city land market analysis, analysis of Changchun City Land price. Section third focuses on the analysis of 2010 Changchun City real estate market, the real estate market price, volume and other index analysis, study of Changchun City real estate market situation.The third chapter focuses on the analysis of Jilin branch of Agricultural Bank of China business property loan risk, first from the operating property assessment of the project loan risk, risk assessment as a bank of subjective risk, risk in lending as guard key object; section second introduce policy risk analysis, real estate is the normal regulatory focus, policy direction the impact on real estate big; third section focuses on the real estate market risk analysis, from the relation of market supply and demand, competition, resource condition, market purchasing power level and other factors brought by changes in risk analysis; fourth the business ability of risk analysis, the enterprise as the vanguard of China Commercial real estate, the the ability of the risk analysis is very necessary; fifth section from the enterprise microcosmic financial perspective, clear the financial risks of enterprise. The fourth chapter combining with practical cases, the Jilin branch of commercial property loans to the specific project risk analysis. The first section of the borrower and the shareholder's basic situation analysis, from the borrower qualification, shareholders strength, development experience, the quality of managers and several other aspects of analysis; second section describes the basic situation of the main analysis of property, property location, architectural form, covers an area of, the surrounding business environment and traffic condition, focuses on the analysis of property investment and market value and property rental and management situation analysis; section third property market prospects, from the regional property market environment, the property industry, competition item comparison analysis of three aspects, on the property to carry out SWOT analysis; section fourth explicitly loans and use analysis; the fifth section analyzes the debt-paying ability of enterprises, enterprise fund balances, on the enterprise debt paying ability and sensitivity analysis; section sixth analysis of enterprise second source of repayment, the security analysis.The fifth chapter of the Jilin branch of commercial property loans to conduct a comprehensive analysis and risk prevention recommendations, the first section focuses on the property of the comprehensive advantages, the second section focuses on the operation of the property loan risk prevention measures.