Real Estate Development Loan Risk And Prevention In S Sub-branch Of A Bank

The real estate industry and the financial industry are inextricably linked.First of all,from the perspective of property,the real estate industry is a typical high-intensive industry of storage capital.Affected by the double-period development of the industry and capital turnover,any real estate project needs the huge capital support behind it and a series of industrial support.Secondly,with the successive implementation of related policies such as capacity reduction,de-stocking and deleveraging promoted by the state in recent years,the liquidity demanded by real estate companies from the capital market has been further supervised and regulated,leading to a shrinking of the financing exposure of real estate companies.More real estate companies use bank loans as financial support for the development of the industry.Combining the properties of the real estate industry and the national macro-control policies,strengthening the risk control of real estate loans has become a top priority for the construction of risk control systems for financial institutions.The prosperity of the real estate industry has a very strong correlation with economic development.Although real estate credit has become an important source of benefits for banks,considering the tightening of national regulatory policies in recent years,the national industrial structure has been actively adjusted and the national economic development has entered “ In the“quality-oriented” economic development stage,the “New Leverage” economy's policy of “Leveraging,De-Capacity,and Risk Reduction” remains unchanged,the market liquidity is tight and many other economic market factors,and it is necessary for the real estate industry to repatriate funds.Once housing prices fall under the influence of economic cycle fluctuations,the bank's real estate credit risk will increase,reducing the quality of bank credit assets,and ultimately causing the bank's non-performing loans to increase.Facing the continuous increase in the supervision and policy orientation of national policies on maintaining financial stability and the supervision of relevant regulatory authorities,optimizing the quality of real estate credit assets and preventing market and credit risks have become major issues for many commercial banks.The correlation properties of real estate and financial industry largely determine that real estate riskprevention and control are critical to the bank's income level and the bank's control over its own asset quality,especially how the S-subbranch can effectively resolve real estate credit under the current economic environment.Risk and how to further optimize in-house management and provide better financial services to the real estate business in the new situation have profound practical significance.In addition,this article combines a large number of field visits and data and materials collected by me during my internship at the bank.At the same time,I review the literature in related fields.Based on the actual operating conditions of the S branch and sub-branch,I will list the realities faced in real estate risk prevention.Problems,examples analysis,literature research,quantitative research and other methods,multi-dimensional analysis,and targeted solutions to the problems and methods,and discuss the rational response mechanism,the feasibility,pertinence,and timeliness of the response Discuss with the risk mitigation strategy and have practical implications for the actual management of the S-branch in the article.