Research On Real Estate Credit Risk In Wuhai City Under The New Normal

In this paper,starting from the current actual situation of our country,to Wuhai City real estate credit risk as a target system research.First,the paper describes the background and significance,research methods,and study abroad are reviewed.Secondly,the risks and problems under the new normal in Wuhai City real estate market conditions and real estate credit from a detailed,in-depth exposition,and through real estate stress test,Wuhai City real estate credit conditions empirical analysis.The last part is the countermeasures on how to strengthen the Wuhai City real estate credit risk management and control,from Wuhai current practical problems to consider,first proposed the government to play the role of their own functions,strengthen the real estate market macro-control policy execution,co-ordination ability,strict land storage off;secondly to improve their own ability to resist risks of real estate;once again to enhance the management capacity of banks in real estate credit,real estate credit from the strict implementation of the policy,close attention to the real estate credit risk,strengthen loan "three examinations",and practical 12 recommendations given in terms of the five classifications.Through the above analysis,we believe that many of the uncertainties in the current real estate credit in Wuhai City is facing the risk is there.Banking institutions should not only pay attention to the real estate credit risk and prevention,the government in the formulation of macroeconomic policies,in preparation for the general public to buy real estate should be taken into account when the real estate industry,there is credit risk.Real estate credit risk prevention requires the joint efforts of all parties cooperate,the only way Wuhai City and the country's real estate market in order to walk the track of healthy development,real estate credit risk can be fundamentally controlled.I hope this can provide some reference to Wuhai banking financial institution real estate credit risk control and prevention.