Research On Real Estate Loan Risk Management Of Construction Bank ZhongLou Branch Of Anhui Province

With the development of economy and the improvement of people’s income, the demand of real estate is increasing which drives the high growth of China’s real estate industry. Especially under the guide of the national housing system reform and expanding domestic demand policy, the real estate presents good development prospects, the investment is growing rapidly, and it has become a new growth point of national economy. And the real estate business in China began to comprehensive and rapid development since2004, high property prices, information asymmetry between bank and developers, low level of Banks’ risk management and the national macroeconomic regulation and control make real estate development loans face more and more risk. Banks need to strengthen risk management of real estate development loans, in order to ensure the safety of the Banks’ capital and profitability, to guard against real estate development loan risk.Construction Bank ZhongLou Branch of Anhui Province plays an overall management responsibility for the construction bank loan risk management in the area of real estate industry. Therefore, Construction Bank ZhongLou Branch of Anhui Province is urgent to enhance the level of risk management and to guard against real estate loan risk in the under of relatively bad real estate development environment, then to promote whole area real estate industry healthy development and protect their own interests at the same time.Under the background of banking industry, this thesis chooses Construction Bank ZhongLou Branch of Anhui Province as the research object, on the combing and summary of the related research of real estate loan risk, analyses the present situation of Construction Bank ZhongLou Branch of Anhui Province’s real estate loans risk management, puts forward the composition of its real estate loan risk as well as the reasons, and puts forward the prevention measures of Construction Bank ZhongLou Branch of Anhui Province’s real estate loan risk.This thesis tries to research the Construction Bank ZhongLou Branch of Anhui Province’s real estate loan risk and applied to the practice operation, and to make the Construction Bank ZhongLou Branch of Anhui Province determine the correct risk management concept, clear their own market position in the fierce market competition, implement effective real estate loan risk management measures, and then to put the risk management theory into management practice, thus establish a sustainable competitive advantage. At the same time, it also provides advice and reference for other commercial bank real estate’s credit business risk management.