Research On Risk Management Of Shengyi Real Estate Loan Project Of Fengcheng Postal Savings Bank

As an important part of modern national economy,the real estate industry has played an important role in China's economic development.With the development of China's real estate industry,the demand for funds for housing purchase is increasing.The loan business of one hand room has made the bank's own business scale expanding rapidly,and the profitability of the bank has been effectively improved and a considerable profit has been created.But as China's economy has entered the new normal,the development of the real estate industry has slowed down,housing prices in some areas have begun to decline,the uncertainty of the‘first hand house'bank loan is increasing,and it is urgent to improve the risk prevention and control capability.This paper takes the first hand housing loan project of Fengcheng postal savings bank and Shengyi Real Estate Development Co.,Ltd.as the research object,and studies the project risk management problem.First,based on the theoretical basis and literature review,we introduce the overall situation of the cooperation project between Fengcheng postal savings bank and Shengyi Real Estate Development Co.,Ltd.The financial information of the project is analyzed to determine the current risk status of the project.The risks of Shengyi real estate loan include: the financial risk of Shengyi Real Estate Development Co.,Ltd.,the operational risk of Fengcheng postal savings bank,the change risk of national policies and the personal credit risk of the buyers.Secondly,in view of the risk of the project,this paper analyzes the cause of the project risk.One reason is the project risk factors include the actual financial management of the enterprise,the Real Estate Company in the project construction process of Shengyi in a one-time invest a lot of money,real estate sales continue to rely on the late payment,the new construction projects also need to invest a lot of money,because of the funding gap,rambler Real Estate Company always cannot maintain capital adequacy level is good.The two is the reason why Fengcheng postal savings bank's internal process is not perfect,that is,banks have imperfect management in terms of project access,loan business and mortgage loan management after the first hand housing loan.The three is the national macro-control policy uncertainty factors,namely according to the national macroeconomic situation from time to time to adjust to the real estate policy,policy changes will directly affect the project of real estate sales expectations,will also be on the project has issued loans have uncertain effects.The four is the credit factor of the buyers.That is,the buyers will provide a high income for obtaining bank loans.After obtaining the loan,they can not repay the bank loans according to the contract because of the deterioration of their financial condition.The above risk causes the risk of loan project of Shengyi Real Estate Development Co.,Ltd.,and then affects the security of credit assets of Fengcheng postal savings bank,which may cause losses of credit assets.Finally,in order to protect the safety of Fengcheng postal savings bank credit assets,to ensure that risk control the‘first hand house'bank loan cooperation projects,and strive to achieve higher returns in credit as small as possible risk tolerance,the risk factors for cooperation projects to develop practical risk control measures,including: one is to improve the access and inspection system project,process management of cooperation projects,through regular review to ensure that project risk in the controllable range;the two is to strengthen the bank's internal control process,enhance the cooperation projects in the access links,business risks control rigor,multi sectoral cross management of mortgage loans warrants,ensure internal the bank's management of rigor;three is to actively adapt to the national macro-control policies,the banks to make the adjustment of national policy.Timely response,timely adjustment of business strategy,risk monitoring for the loans already issued;four,the introduction of the third party financing Guarantee Corporation,through the financing of Guarantee Corporation intervention,effectively transfer the credit risk of the buyers.Through effective implementation of the above risk prevention and control measures,we can improve the risk status of the cooperation project at this stage,make the project risk effectively control,and effectively enhance the bank's operation level,and the ability to create profits can be effectively guaranteed.