Study On Risk Prevention And Countermeasure Of Real Estate Credit Business In China Minsheng Bank

As China's real estate market continues to be hot,the relevant state departments have introduced the relevant policies on the real estate market for the overall macro-control.As commercial real estate financing companies will also face greater market risk.Although China's relevant departments have always stressed the steady development of the real estate market,the real estate industry's development risk still can not be ignored.Therefore,as a commercial bank,we need to pay close attention to the real estate credit business risk management.Therefore,this article takes the real estate credit business risk management of commercial banks in our country as the research object,and hopes to build a set of strategies that suit the development of real estate credit business in our country.Through the research of this paper,the conclusions are as follows:(1)Problems in risk management of China Minsheng Bank's real estate credit business.According to the analysis,we can see that the main problems in the real estate credit business risk management of China Minsheng Bank at this stage include:(1)the real estate credit risk evaluation system is not perfect and there is uncertainty in credit rating;(2)the pre-loan and post-loan inspection workflows are in form and business The risks are more hidden;(3)There is not enough risk management in real estate credit business and lack of perfect risk response measures.The main reasons for its existence include:(1)lack of understanding of the real estate credit risk management by the credit business personnel;(2)the risk management system of the real estate credit business is not sound;(3)the risk management is not included in the assessment and motivation of business personnel.(2)China Minsheng Bank real estate credit business risk management countermeasures.(1)Reconstructing the credit business risk management institution of China Minsheng Bank;(2)revising the real estate credit business risk management process of Minsheng Bank of China,including pre-loan investigation,optimizing the credit evaluation index system of real estate credit business,reviewing and approving,identifying real estate business risk points,Review and post-lending inspection,and take responsibilities to strengthen post-lending management;(3)standardize the Minsheng Bank real estate business risk response measures;(4)establish the incentive and restraint mechanism for real estate credit business personnel,which includes adhering to the principle of putting people first,introducing talents and introducing credit culture Nurturing a combination of construction career path of construction at night to meet the needs of staff career development and strengthen the performance management of risk assessment to enhance staff awareness of risk management.To sum up,this study can effectively enhance the risk management of China Minsheng Bank's real estate credit business and reduce the credit risk caused by non-performing loans.At the same time,this study also helps to enhance the credit business of China Minsheng Bank,as well as other commercial banks Real estate credit business risk management to provide reference.