Research On Risk Management Of N Bank Real Estate Project Financing Loan Business

As China accelerates the development and reform of the real estate market,the real estate enterprises have more and more channels to raise funds for the project development,but the financing of large sums of funds comes from the bank loans.The real estate project financing loan business is also one of the main operations of many commercial banks,so the risk management of the real estate project financing loan business has become the important content of the commercial bank.It can be said that the identification,assessment and prevention of the risks of real estate project financing loans will directly affect the commercial banks’ operating efficiency and capital utilization efficiency.In many current development of real estate project financing loan business of commercial banks,a lot has been recognized and has taken many effective measures of risk management,but there are still many commercial banks have loan risk of real estate projects in the actual operating process,resulting in delays in delivery of funds recovered,the expected economic goals can not be achieved,even directly become bad debts,is not conducive to long-term sustainable development of commercial banks.This article focused on the modern risk management theory,took N bank real estate project financing loan business as the research object,research on system identification and evaluation on the risk and prevention strategies,in order to explore the commercial banks effectively,scientific and comprehensive identification and evaluation of real estate project financing loan business to carry out all kinds of major risks in existence,provide an effective strategy for the prevention of risk.The main contents of this paper include the following aspects: first,expounds the theoretical basis of research on risk management of bank real estate project financing loan business,mainly on bank real estate project financing loan business risk concept,characteristics,concept and characteristic of risk identification,risk assessment standards and the concept of the concept and method of risk prevention the concept and measures and the related theory of the summary explanation.Second,analysis of the current situation of N bank real estate project financing loan business management,mainly on the operation situation,the real estate project financing loan business,operation process,management characteristics,system conditions were analyzed.Third,from the bank credit management system,the bank authorized operation,real estate credit,real estate financing loan management four aspects to identify the N bank real estate project financing loan business in the main risk analysis methods and steps of risk identification,constructs the business risk identification list.Fourth,the use of fuzzy evaluation method based on AHP on the banks of N real estate project financing loan business of the evaluation process,evaluation index system,hierarchy construction,weight calculation and fuzzy evaluation are studied,needed evaluation data from the expert scoring,finally to the risk assessment of the business results.Fifth,according to the comprehensive evaluation of the effect of the calculated above the weight value of the higher risk factors put forward countermeasures,hope this research and the research results,to N bank and China’s commercial banks to carry out real estate project financing loan business,pay attention to risk identification and evaluation of risks and improve their risk management etc.theoretical guidance and reference method.