The Research On Risk Control Of Real Estate Development Loan Of Small And Medium-sized Cities

Since the 1990 s,China’s real estate industry enters a period of rapid growth,the current real estate and the upstream and downstream related industries to the overall contribution of more than 30% of GDP,real estate industry has become an important engine to promote the development of the economy.In its rapid development at the same time,however,because of the influence of internal and external factors,in recent years,the big cities in short supply exceeds the demand,small and medium-sized cities,housing prices too high,and excess inventory of polarized phenomenon.As the real estate industry is a typical capital-intensive industry,the degree of credit concentration is high,especially in small and medium-sized cities.As the economic slowdown,market regulation tighter depth adjustment and industry,real estate development loans gradually accumulate and exposure ris k,property risk shifting to the possibility of credit risk,caused great threat to the financial and economic stability.Based on this,this article to small and medium-sized cities as the research Angle of view,by choosing the typical small and medium-sized cities in 2012-2017 sample data compared with the national overall situation analysis,found the small and medium-sized city real estate development loans risk characteristics with different in big cities,real estate development investment volatility is larger,over-dependence on bank credit,overheating development effect of the flock,high inventory backlog of risk,risk outbreak of domino effect is prominent.On this basis,from the impact of policy regulation,the real estate business development activities and the commercial bank’s risk control level three dimensions for small and medium-sized city real estate development loans out the cause of the risk of exposure,this paper discusses the cause of small and medium-sized city real estate development loans risk exposure of general law,and through the meteorological disaster early warning signal system for reference,build the real estate development loans risk early warning model,according to the early warning standard and may cause damage to the small and medium-sized city real estate development loans risk early warning,so as to take effective control measures.Aiming at the existing risk characteristics of small and medium-sized city real estate development loans,small and medium-sized cities in recent years in the development of real estate investment and real estate development credit risk is more prominent zhangjiajie as the example,through to the banking institutions in the development of real estate loan risk exposure of bank of G,zhang jiajie,typical case analysis to verify the effectiveness of the small and medium-sized city real estate development loans risk exposure causes and regularity.Finally,combined with the bank of G,zhangjiajie in the field of real estate development loans risk control practice,from the government,real estate enterprises and small and medium-sized city commercial bank three aspects put forward to strengthen development of real estate loan risk control countermeasures and Suggestions: strengthen the government as a whole of control precision,improve the rationality of the real estate enterprise development operation,improve effectiveness of risk control of the whole flow of commercial Banks.