Countermeasures Of Harbin Fangxin Sub-branch Of Icbc To Enhance The Management Of Housing Development Credit Business

Real estate as a pillar industry,has always been fundamental and playing a vital role in national economy.With a new round of economic reform,commercial housing sales has reached a new height,and the real estate market pattern has got further reshaped and the real estate development enterprise financing is also quietly changing,being more and more diversified and multi-functional.In the mean time,real-estate development credit business has brought nontrivial profit to commercial banks accordingly.Harbin Fangxin sub-branch is a grass-roots level operation of Industrial and Commercial Bank of China in the area of Harbin,facing the fierce competition and the severe stress of development.Housing development credit as one of the real estate loan,is the pillar business of Fangxin sub-branch among others,by the profit it brings which accounts for more than 20% of the total annual profits of the branch and it is the key to the development of the whole business.With the various of macro-control policies and the development of the market,housing development credit is featured with huge limit,long maturity and high risk which continuously emerge difficulties in management,and also exposed the Fangxin sub-branch in business management with unnegligible problems and shortcomings.Based on the above situation,this paper attempts to start from the study of the management problems of housing development credit of Harbin Fangxin Sub-branch,combined with the analysis of specific situations of the region and the actual work content.Through carding key points,the core arguments are based on the analyzing of the real estate industry,the financing policies,and the working practice combining with specific examples.On the other hand,this paper is deeply concerning about the loan marketing to internal and external regulatory barriers,professional personal management and appraisal system,business developing innovation ability and so on.At the same time,in order to further put forward the targeted countermeasures to the problems,and to better manage of the housing development loan business of Fangxin Sub-branch.It is critical to carry out a significant lift scheme for the grass-roots level operation of the Bank to deepen the understanding of the market and macro policies,to becapable of refining the business management,to enhance the risk control measures as well as to be more visionary for innovation and development in order to promote the healthy and stable business structure and eventually improve the overall management ability and promote the profit growth of the Bank.