Research On Risk Control Of Baoli Real Estate Development Loan Project In Yingkou Branch Of Guangfa Bank

With the development of economy,yingkou,as an important node city in bohai rim economic circle,has been incorporated into the national multiple development strategy and entered the international perspective.liaoning(yingkou area)on the trade was established in 2017,the advantage of hinterland port emerging continuously,and marked the yingkou from three or four line city to second-tier cities across.Yingkou is facing the rapid urbanization of a new round and as the coastal city status is promoted,it becomes a new destination for immigrants.In this opportunity and poly group in yingkou development of real estate project formally in yingkou,yingkou poly real estate development real estate project officially started,besides their own part,need to apply to the guangdong yingkou branch real estate production line project loans.Guangdong development bank,yingkou branch also focus on investment in real estate development projects in guangdong development bank,however,yingkou branch of business,the loan is still the main profit part,loans accounted for over 90% of the total business assets,and loans in the banking system is at highest risk of bank assets.It can be said that the quality of the loan is vital importance to the operation of the bank and its survival and development.Taking yingkou poly real estate project,guangdong development bank loans as the research object,through to the yingkou poly real estate development project loan risk aspect analysis,explore the guangdong development bank,yingkou branch in poly real estate development loans,the risk of the quality of yingkou poly real estate development project is described in this paper with the national macroeconomic situation,national economic policy,highly relevant changes in the real estate macroeconomic regulation and control policy.Close links to the main reason is that the real estate industry and macro economy,is strongly influenced by macro economic fluctuation,while the upstream and downstream industry chain is longer,involving and macro economic pillar industry,the integrated use of sum up method,literature research to investigate correlation method,analysis and reveal the yingkou poly real estate project policy risk,financial risk,risk,operation risk and risk,to analyze the loan project risk and return,according to the results of the review is designed to improve the room poly real estate development project risk research,proposes the corresponding risk control measures and solutions.This paper summarizes the risk problem,the final link in terms of money collecting,easy to produce risk,also is the ultimate goal of risk prevention,the first is the risk prevention,to establish a real estate risk early warning mechanism,then the risk control,points out that the bank when control the scale of investment in fixed assets,to grasp the "degree" of the money for real estate development;Real estate development loan business groped for guangdong,yingkou branch is still in its early stages,from lending to recover the loan loan risk prevention management process,including loans,loans to use,t he drained,loan collection,project supervision.In strict accordance with the relevant operation management methods of the head office,open the loan and return supervision account;Assign special persons to monitor the project construction,payment,sales and payment,etc.,to ensure the safety of the credit of the branch of guangfa bank.Through to the guangdong development bank,yingkou branch of poly real estate project development and management,the risk of specifications issued by the relevant system of poly real estate and slow-release measures are put forward,thus effectively slow-release business risks,improve the guangdong development bank,yingkou branch of comprehensive income,for guangdong development bank,yingkou branch in real estate loans to create a new situation,improve the customer satisfaction at the same time,make the quality of the guangdong development bank secured,promote the development of bank credit business yingkou branch of the healthy,rapid and sustainable development.