Research On Risk Management Of Real Estate Development Loans Of S Branch,Agricultural Bank Of China

Real estate development loan is an important part of the commercial bank credit system, which plays an important role in the commercial bank credit assets, and provides a strong and powerful financial support for the real estate development projects. In recent years, the rapid development of the real estate market has led to the rapid development of commercial real estate development loans, while the commercial banks in real estate development loan risk management also put forward higher requirements. Therefore, this study has important theoretical value and practical significance.Based on the theory of loan management, this paper mainly uses the method of combining theory and practice, including: literature review, data analysis, comparative analysis and so on.This paper first introduces the current situation of domestic and foreign real estate risk management. In western developed countries, the real estate market has started earlier, and the study on the risk management of real estate loans is earlier. China’s real estate development loan risk of less research, the vast majority of cases are the use of existing international theory to analyze the risk of real estate development loans. Secondly, it analyzes the classification and management methods of the loan risk of commercial banks, and then extended to the real estate development loans risk characteristics and risk control measures. Real estate development loans are the main risk of market risk, policy risk, financial supervision risk, project compliance risk, loan guarantees risk, etc.. Thirdly, it analyzes the development situation of S branch of real estate development loans and the present situation of risk management, and points out the existing problems and risk points. Mainly has the information system is not perfect, the information resources is not shared; the business process design is not scientific; the credit risk consciousness difference, the risk guard the power is not strong; the post loan supervision work is not in place. Finally, from inside and outside factors of the real estate risk management improvement measures, including government departments to establish a good external environment and the internal bank to do a good job of risk prevention.