Research On Loan Risk Management Of XX Bank A Real Estate Project

With the continually development of economic society in both scope and depth,the living standard of citizens are getting better.The demand for more gorgeous and newer house stimulates the total amount of the estate market,which consequently promotes the rapid growth of real estate industry.Especially,in the five years subsequent to 2008,Under the guidance of the policy that the national real estate market is used to expand domestic demand and boost consumption,the real estate industrial showed a step development trend,and soon became the pivot of national economy.However the growth of domestic estate business is too fast that the coordination supervision system cannot synchronize with the rapid growth of high prices,management of bank's big data and information of investors,The bank's own risk management level has not followed the international pace,and the national macro-control is not enough to promote the "troika",hence the special loan of real estate industry developing will face much more unpredictable jeopardy.People's bank of China ? The China banking regulatory commission call for “Strengthen risk management in real estate development loan”,to enhance the protection of safety and benefit in bank funds,and prevent the expansion of risk brought by development of real estate industry.Selecting the XX bank as object,the present research results and theoretical supports have been systematically summarized,in the meantime,the situation in which XX bank carried out its loan and causes of potential loan risks have been analyzed,correspondingly,the valid and efficient risk protection measurements were put up with.By studying the risks of loan in real estate industry and deducing the practical operation,it can guide XX bank to set up the correct view of risk management and help it to find its own position in the Turbulent financial markets,and implement effective risk management measures,the application of the already ripe risk management theory into the management practice can help to build up an efficient market competitive advantage and it can provide some advice and reference of risk management when other commercial banks carry out the real estate credit business.