| In recent 20 years,the real estate market has been developed rapidly and gradually become a new growth point of national economy.Because the real estate enterprises belong to the capital-intensive industry,its operation and development needs a lot of money to back it up.At present,our country’s real estate enterprises only have single financing channel,most money from the credit loans of commercial Banks.Real estate development mode determines the loans have loan risks inherent in the volatile concentration and collateral value etc,it also brings commercial Banks huge credit risk.Once the development of corporate defaults,commercial Banks bear the losses will be very serious.In this paper,China Construction Bank as the research object,the first part is introduction,mainly introduced the background of this article’s topic,research significance and research situation of home and abroad and the research methods.The second part introduced the basic theory of real estate development credit of commercial bank credit risk,mainly analyzes the present situation of real estate development loans and the causes of credit risk.Third part studyed the construction bank real estate development loans at the qualitative level,on the basis of the credit risk in real estate development from point of the quantitative CCB credit risk research.Corresponding research conclusions are obtained by previous research process,made suggestions according to the CCB how to guard against credit risks of the real estate development loans in the future、real estate development enterprise credit risk management system,credit risk early warning mechanism as well as the financial products innovation. |
