The Research Of Guarding Against Risk Of Real Estate Development Loans Of Bank Of Communications,Shenyang Branch

Chinese real estate industry, the growth can not be separated from the support of commercial banks, because the characteristics include large-scale investment, the funds own less, long development cycle, the capital occupied by large and slow recovery time and so on. At the same time, these features have also determined that high yield of real estate development loans coexists with huge risk. This article from this Point, it carries out a detailed analysis of reason of risk origin about the real estate development loans of Bank of Communications, Shenyang Branch and gives the risk management response.First of all, it expounds the Definition of real estate development loan, the risk characteristics of real estate development loans and the classification of risk of real estate development loans and so on in this article. Secondly, the status of real estate development loan for Bank of Communications, Shenyang Branch, combined with the real estate loans operation flow of Bank of communications, Shenyang Branch to analyze risk and the reason of risk origin of real estate development loans in Shenyang Branch. Finally, it is the above-mentioned analysis of a number of issues raised by summing up the thinking so that it reinforces carries out a comprehensive risk management, credit risk control, builds the real estate project evaluation system and pays great attention the policy research and the prompt adjustment developmental strategy to formulate the specific risk prevention means of real estate development loans of Bank of communications, Shenyang Branch.From preventing credit risk perspective of real estate development loans of Bank of communications, Shenyang Branch, it highlights the comprehensive management and risk control, pertinent information from different angles, to put forward the guiding solution.