Study On Real Estate Loan Risk Management

As an important pillar industry in the national economy,the real estate industry risk control is related to the safety and stability of the whole national economy.In recent years,the real estate industry has been developing rapidly.While boosting economic growth,it has also accumulated risks and hidden dangers.This paper conducts measurement and risk analysis from the perspective of big data by sorting out the mortgage loan data of N bank in the last ten years,so as to construct a scientific and reasonable risk management model of real estate loan and to prevent risk on the basis of this study.This will help all parties mainly commercial banks to strengthen the awareness of risk management,reduce mortgage risk and contribute to the healthy and stable development of the national economy.This article first embarks from the domestic and foreign present research situation,then probes into the actual performance of real estate credit market and the risk of commercial bank itself based on the information asymmetry theory,bubble theory and the theory of big data,afterwards analyzes our country real estate loan characteristics,funding sources and the current development situation,also analyzes risk factors quantitatively from different angles and establishes model through the N bank mortgage data processing in the past ten years,finally puts forward real estate loan risk countermeasures and suggestions to our country commercial banks through experience from the perspective of big data and warning from risk prevention of foreign developed countries.In this paper,the study shows that through N bank mortgage data processing in recent ten years by Oracle database,according to the formed database of bad loans for various industries over a period of time,data mining is used to obtain the risk of lending probability of personal loans or other types of loans.The risk interval is determined through the evaluation of user data.Commercial banks can get more scientific risk value by using the comprehensive database obtained under the big data method as the support.Processing a specific industry or type of loan data could yield a more targeted risk assessment.At the same time,this model has the characteristics of data feedback,so it can modify the original model according to the results of each data analysis and the actual deviation,this correction can be fed back to the database.