Research On Real Estate Credit Risk Control Of Commercial Banks

As the pillar of the national economy, the real estate industry plays an important role toimproving the financial, absorbing capital and economic development. But if the economicdevelopment excessive relys on real estate industry, bubbles must be produced. When bubblesburst, it is a disaster to the real estate industry, commercial Banks and even the national economy.The case of Japan, the United States, Wenzhou and Ordos gives a wake-up call for China’s realestate industry development.Therefore, as the main financial institutions, commercial banksshould control the real estate credit. The paper choose Fudian bank as an example, after analysisFudian bank, the paper concludes that Fudian bank adopts "list type" management and "three-nocredit", the principle of "SanGuaGou" to predict risk, these management is better than othercommercial banks. But its current management mode exists defects. The author conclude thatFudian bank can make it management mode perfect by strengthening internal management andexternal supervision to promote its control on the real estate credit risk.