The Study On Bank Real Estate Development Project Loan Assessment

With the fast and continual development of social economy and advancement of housing commercialization and urbanization, China's Real estate industry has come into a fast developmental period. In 2004, China's real estate investment reached 1315.83 billion yuan, commercial housing sales amounted to 1037.6 billion yuan, and housing industry increasing value accounted for 3% of GDP in cities and 7.5% including urban and rural areas .The housing industry has become a pillar industry in China .Meanwhile the real estate is a high risked industry, with the fast expanding of real estate investment and the development project loan, the risk of loan is rising. Therefore, it is realistically significant to enforce the management of the real estate development project loan especially the assessment work before the loan implement in order to protect against the risk and improve the quality of the real estate development project loan.This essay consists of five chapters. The first chapter talks about the background, intention , significance and the current research situation in this area, and explains the research method and content .The second one generalizes some concepts about real estate development project loan assessment, discusses the differences and similarities between real estate development project loan assessment and the feasibility research of real estate investment items , introduces the main aspects of real estate development project loan assessment and analyzes the problems exist in assessment system and puts forward suitable Countermeasures. The third one talks about the models of real estate development project loan assessment based on analytic hierarchy process and fuzzy comprehensive assessment law and explores the establishment of real estate development project loan index system in China. The fourth one mainly talks about the assessment analysis and research on Zhucheng JW area's real estate development project applying some theories of real estate project loan assessment. The fifth one puts forward some suitable suggestions about real estate development project loan assessment.This essay studies the issue of real estate development project loan assessment from the micro-layer by combining theories research and real example research, quantitative analysis and qualitative analysis. Starting from the basic theories about real estate development project loan assessment and choosing various index items, it establishes a model of real estate development project loan assessment and finally does a comprehensive loan assessment analysis about Zhucheng JW area's real estate development project and testifies the practicability of this model by complying a great amount of first-hand materials .