Research On Risk Management Of Real Estate Credit In Postal Savings Bank Of China

In2009, the outbreak of the financial crisis on the economic development of many countries seriously affected China’s housing prices have been rising steadily, so that China’s real estate market experienced a reversal of sagging to prosperity, which contributed greatly to a certain extentBank real estate credit business increase. But the dramatic increase in real estate credit business in a certain degree of commercial banks accumulated large risks such as falling house prices, the credit risk of real estate credit will be fully reflected in the moment of falling house prices, which would have been completely exposed the real estate credit business in crazy state of development of the hidden risks. Therefore, the real estate credit risk management research has important practical and theoretical significance, it enables all commercial banks to recognize the risk and risk in the credit business to take effective measures to prevent commercial banks in order to ensure healthy and effective operation.In this paper, the concept of the real estate credit risk on the basis of the development status of China’s real estate credit business and risk reasons, subsequent empirical studies of the real estate credit risk. Main empirical study using discriminant analysis and logistic regression model to analyze the data according to the specific situation of China’s real estate development companies, selected40listed real estate development companies, and18financial indicators actually selected according to the study as an evaluation indicators. Through the use of these two analytical methods have a significant impact on the profitability of the enterprises of the bank’s credit risk,Finally, from the government perspective and bank perspective Postal Savings Bank of China, the real estate credit risk management suggestions.With years of real estate credit experience in the Postal Savings Bank of China branch in Shandong Province, a lot of data collection and survey work, and done a detailed study on this basis, mainly a combination of theoretical and empirical research, quantitative would like to combine the analysis and qualitative analysis methods, the proposed effective measures to prevent the real estate credit risk on the basis of the data analysis.