Study On The Risk Management Of The Real Estate Business Of Y Trust Company

With the prosperity and development of the real estate industry in China in recent years,the real estate business of trust companies has developed vigorously.At the same time,it has brought various risks and hidden dangers,which has become a key research topic of trust companies.Under this background,it is of great theoretical value and practical significance to discuss the risk management of the real estate business of Y Trust Company.Real estate projects are faced with many risks,such as legal risk,policy risk,market risk,credit risk and management risk.Y Trust Company needs to manage the risk when it carries out real estate business.Normalized operation process and perfect system are needed to ensure the identification,evaluation and disposal of the risk.In the process of risk identification,due diligence and project review can be used to focus on the counterparty,target project and pledge of real estate projects.On the basis of accurate risk identification of real estate projects,Y Trust Company needs to establish a set of easy-to-operate real estate business risk assessment system to enable risk managers to be comprehensive and objective.This paper evaluates the risk of real estate projects and can predict the development prospects of real estate projects,so as to understand the possibility of real estate project risks during its existence.Credit risk and market risk have a greater impact on real estate projects.It is suggested that qualitative and quantitative evaluation methods be used to evaluate the credit risk of real estate projects,and the in-risk value is used to evaluate the credit risk of real estate projects.In order to effectively prevent and control the risks of real estate projects,measures such as guarantee guarantee,pledge offset,structured design and equity control can be set up in the project scheme design.When the project is at risk of payment,we can strengthen the control of the first repayment source,optimize the financing scheme,transfer creditor's rights and dispose of offset.In order to effectively control the risks that may exist during the existence of real estate projects,pledge and borrowing new or old ways are used to resolve the risks of real estate projects.In order to ensure the effective implementation of risk control measures inreal estate business,Y Trust Company should focus on improving the risk management system of real estate business,optimizing the evaluation system of real estate business and strengthening the system guarantee of human resources,and establish a sound risk management system.This paper studies the real estate business risk management of Y trust company,hoping that it will not only help Y trust company improve the real estate trust risk management system,effectively prevent and resolve the real estate trust risk,but also provide reference for the development of the real estate business of the trust company.