Study On Risk Management Of Real Estate Development Loans Of Hunan Branch, Agricultural Bank Of China

The real estate industry has become a pillar industry of Chinese economy. Because the whole industry chain required huge funds, the commercial banks is the main source of funds for real estate industry in our current financial situation. In recent years, there have been a greater degree of bubble in Chinese real estate through the rapid development.The national real estate policy is tightening in the current and the bank’s real estate credit risk is starting to show. Therefore, the study on Hunan Branch of the Agricultural Bank’s real estate development loans risk management is great significant.This paper reviews the domestic and foreign literaturer related to real estate loan risk research,and gives an overview of real estate credit risk theory related to commercial banks. Then this paper analyses real estate market situation in Hunan Province and real estate development loans business development in Hunan Branch of Agricultural Bank of China.After taking a focused analysis of real estate development loans risk causes in Hunan Branch of the Agricultural Bank of China, this paper make management recommendations on controlling macroeconomic risk, Group customers credit risk and setting better credit process.