Research On Risk Management Of GT Real Estate Loan Project Of SD Postal Savings Bank

As one of the important pillars of China's national economic development,the real estate industry is characterized by large demand,long capital recovery period and great policy impact.By means of national macro-policy regulation and other means,although the trend of property overheating was contained,it was also accompanied by problems such as sluggish investment and delayed construction projects,which was not conducive to the subsequent development of real estate projects.In terms of capital,the main source of real estate development capital has also become the collection of sales capital,and its proportion in the total investment capital of real estate development is on the trend of continuous expansion,which seriously reduces the growth proportion of other sources of capital.For commercial banks,whether can get high profits,and is the key to effective prevention and control project risk lies in the operation of real estate loan project risk control level,so in the process of development of real estate loan project,in addition to focus on economic benefit after the project investment,after the corresponding investment and how to avoid the impact of project risk,will become the bank focused on practical problems.In this context,this topic early through to the real estate credit business and literature data collection,and in-depth study of domestic and foreign related enterprise loan case,combined with their own professional learning and working in the field of concrete reality,to the whole process of GT SD Postal Savings Bank real estate loan project case as the research object of this topic,to the present situation of the real estate loan project risk as the breakthrough point,deeply analyze the SD houses for shops real estate development present situation,the real estate industry financing difficulties and potential problems for the future development of the real estate industry.Secondly,in order to enable the SD Postal Savings Bank to effectively avoid potential risks,the whole process of the real estate loan project of the SD Postal Savings Bank was comprehensively understood,possible risks were identified and analyzed,and major risks were finally determined.Thirdly,through the qualitative and quantitative evaluation model,data analysis and statement support,the author fully evaluated the risk of the GT real estate loan project of SD Postal Savings Bank.Finally,comprehensive risk prevention and control measures should be taken before,during and after the loan,especially the emergency plan for risk prevention and control before the loan.Specific preventive measures include paying attention to the enterprise's own strength audit;Regularly check the situation of the borrower's assets and projects;Fully grasp and understand the market dynamics.Through the establishment of these mechanisms can reasonably optimize the quality of risk prevention and control of credit projects.At the same time,the SD Postal Savings Bank should set up a pre-control and processing department for the emergency loan of enterprises,flexibly develop the corresponding loan methods for different enterprises,and formulate the risk transfer plan.The above measures will effectively promote the realization of risk prevention and control objectives of credit projects,and escort the steady development of real estate loan projects of SD Postal Savings Bank.