Research On Risk Precaution Management Of Real Estate Credit Assets Of Hb Bank Langfang Branch

The real estate is an important part of the business of commercial bank credit.The subprime mortgage crisis has led to the bursting of the real eatate bubble in the United States.In recent years,coupled with the complex changes in the real estate market in China,the fact that China's commercial banks have to face the real estate credit risk has become increasingly prominent.China's banks have faced with the ever-changing real estate market and the potential risks in the real estate credit.With the further increase of the total real estate loans and the extension of the operational start-up,there's a big problem that how could we guard against the risk of real estate loans of the commercial banks.The crisis which caused by it will directly affect on China's macro-economic policy-making and economic development.What's more,it will even affect on all aspects of modern social and economic life.Therefore,making a research about the real estate loan risk has become more and more practical and significant for China's commercial banks.Firstly,I will make a review of the paper,then I'll give you an analysis about the current situation of the real estate industry in HB bank Langfang branch and the cause of the risks.What's more,I will make HB bank Langfang branch as an example to give you a detail analysis of the current situation of the real estate credit.And point out the issues related to the current real estate credit of HB bank Langfang branch.Finally,I give some suggestions for HB bank Langfang branch about standarding more commercial banks to regulate the credit evaluation system,establishing a risk control mechanism,strengthening the management of funds closed,establishing the dual credit insurance mechanism,enhanceing professional management level of the commercial banks.And put forward some relevant policy advice.