Study On Risk Management Of Housing Mortgage In Branch A Of CCB

The biggest financial risk of commercial Banks in China is the loan risk of real estate development projects.It is also a difficult problem that commercial Banks in China need to face in the process of constructing modern financial enterprises.Due to the higher risk of real estate industry itself,the influence of national macroeconomic policy and market environment more apparent,this will make our country commercial bank is facing a greater risk of development project,only by strict scientific and reasonable way to make loans to minimize the risk of real estate development project.This paper will take CCB A branch as the research object and analyze the relevant issues concretely,so as to make the article have more important practical significance and theoretical significance.This paper will study the loan risk management of real estate development project from six chapters.Paper first describes the research background and significance of this topic,and introduces the current research situation at home and abroad,secondly introduces the train of thought and methods used in the process of writing,the innovation of this topic briefly.The second chapter describes the real estate development project loans and its related concepts of risk management and the characteristics of real estate credit risk and the classification of loans,which provides a theoretical basis for analyzing the risk management of real estate development project loan business of CCB A branch in the following chapters.On the base of the third part is the key chapter of this article,the basic situation of the construction bank,A branch,then expounds the construction bank,A branch in loan business of real estate development project risk type and its characteristics,then through to the real estate development project is A branch of construction bank loan risk management present situation analysis,from the construction bank,A branch in real estate development project management problems that exist in the loan business,finally in reverse from these problems the launch of the causes of risk.Through this series of analysis,we can preliminarily understand some basic situations of CCB A branch's risk management of loan business of real estate development project.The fourth part firstly for the construction bank of real estate development project is A branch of A loan case described,secondly understand the construction bank,A branch in the process of risk management in the case,then analysis the construction bank,A branch of the insufficiency in the loan project risk management,finally in A branch of CCB improvement measures are put forward on the project.It is A comprehensive analysis of the loan case of A real estate development project of CCB A branch.The fifth part mainly puts forward the suggestion to improve the risk management level of CCB A branch.The sixth part is the research conclusion and prospect.The innovation point of this paper is to study the loan risk management of real estate development project with specific commercial Banks.In the process of the theoretical part and practice part,theoretical part is on the real estate development loans and its risk management study,practice part is through the construction bank,A branch of A real estate development project loan case A branch of CCB in risk management are analyzed,in the process of analysis to identify the construction bank,A branch in the development of real estate project loan risk management of the deficiencies and their causes,for the Banks to reduce loan risks of real estate development project is effective measures are put forward.At present,there are few literatures on the loan risk management of real estate development projects with specific commercial Banks and actual cases.Therefore,the research results of this paper can not only reduce risks for CCB A branch in the loan business of real estate development projects,but also have reference value to other commercial Banks.