Research On Government Supervision Of Commercial Bank Real Estate Project Loans In R City From The Perspective Of Risk Management

Since ancient times,Chinese people have been extremely dependent on the concept of real estate,and the house is also one of the factors most closely related to the happiness of the Chinese people and family stability.With the continuous development of my country's social economy and the continuous improvement of the level of urbanization,more and more citizens have paid the savings of a family for most of their lives to buy real estate in the city in order to be able to settle in the city.Whether a real estate project is successful or not It is related to the happiness of thousands of families."Adhere to the positioning of houses for living,not for speculation,and speed up the establishment of a multi-subject supply,multi-channel guarantee,and rent-purchase housing system,so that all people can live there." This is in the 19 th National Congress of the Communist Party of China.The report repeatedly mentioned the development opinions of the real estate industry,which shows that the Party Central Committee attaches great importance to the real estate industry.Currently,with the rapid development of my country's real estate industry,the amount of loans obtained by real estate companies from banking institutions is also increasing.But looking at the present,our country is in the current stage of socialist economic transformation,and the real estate industry is in a state of abnormal development.After ushering in the era of national real estate speculation,many home buyers no longer purchase commercial housing purely for residence,but more of a speculative investment,which invisibly increases the bubble in the real estate industry and the risk of real estate loans.When the real estate market stabilizes,home buyers tend to calm down,and the sales of real estate projects no longer rise wildly,the risks hidden in this process will gradually become apparent.For City R,the economic development of City R in Province S is general,but it relies on various preferential policies on urban development at the national and provincial and municipal levels in recent years.The real estate industry and real estate project loan business in City R have developed rapidly.From 2017 to 2019,the total amount of loans for real estate projects in City R and its proportion to the total amount of loans in the city that year continued to rise.This thesis is composed of five parts: the introduction,which elaborates the research background and topic significance of the government supervision of real estate project loans in R City,analyzes the current research on the theory of government supervision by domestic and foreign scholars,and analyzes the basic ideas,research methods and innovations Where to introduce.The second chapter is the definition of the concept and the explanation of the theoretical basis.It mainly elaborates the core concepts of government supervision,risk management,and real estate project loans.Among them,it mainly elaborates the concept of government supervision from the three angles of the subject,mode and method of real estate government supervision.Secondly,it elaborates on the theoretical basis of risk management theory and government supervision.The third chapter analyzes the current state of government supervision of commercial bank real estate project loans in R city.For example,real estate project loans are on the rise as a whole,commercial bank real estate project loan competition is gradually cooling down,and commercial bank real estate project loans account for a large proportion of total loans.Chapter 4takes some real estate loan projects in City R as an example,combined with the interview situation,analyzes the problems that exist in the government departments of R City when they supervise commercial bank real estate project loans and analyzes the causes of the problems.Finally,in response to the aforementioned problems and causes,the government provides countermeasures and suggestions for supervision,such as establishing and improving supervision,rating systems,and related laws and regulations.Regulatory departments strengthen internal management,establish professional teams,strengthen risk awareness and supervision,and the government strengthens linkage to purify society Environment and other aspects.It is hoped that it will be helpful to the government supervision of real estate project loans in City R.