Real Estate Credit Business Risk Control Research

Banks play an important role in modern economy, the stable operation of banking to maintain the safe operation of the national economy, as the main business of banking credit business varieties and profit source, the risk control of credit business is a bank eternal topic.In recent years, with the sustained and rapid growth of China’s economy, real estate has already become an important part of promoting economic growth. The development of the real estate industry, especially in real estate development and housing consumer credit is largely dependent on the financial support. At the moment, the real estate loans is still the good assets of commercial Banks, in order to gain more share and profit, many commercial Banks of the base line to ignore the potential risk of real estate industry, has been relaxed on the real estate credit risk control of the business, an illegal lending for real estate enterprises, seriously affect the commercial bank assets safe.This article in the bank credit risk theory, the bank credit risk control theory and on the basis of the theory of real estate credit risk control. To industrial and commercial bank of Jing Tai branch real estate credit risk as an example, analyzes the present situation of the real estate credit risk control and the existing problems, and puts forward measures and Suggestions to prevent the occurrence of the risk of real estate credit business. And how to build the real estate credit risk control system of Chinese commercial Banks to give the following enlightenment:namely, improve the social credit system, perfect the credit culture, to set up the real estate risk early warning system, strengthen the internal risk control of commercial bank.