The Stress Testing Method And Applied Research Of The Real Estate Development Loans

As the macroeconomic control of the realty industry goes deeper, the important of the Real Estate development Loans Stress Testing will play an increasingly important role.Firstly, the text introduce the documents about the Stress Testing at home and abroad. The general method and step of the Stress Testing is summarized. And it looks back the progress of the macroeconomic control of the realty industry. It also analyses the current real estate market in Chengdu briefly.Secondly, it also analyses Real Estate development loan’s operational aspect, the construction of the loan and the situation of the investment about the Agricultural Bank of China in Sichuan province in the first half year.According to the features of the writer, the text designs a model of the Real Estate development Loans Stress Testing. The Stress Testing uses; the Driving Factors to test, according to the quantitative analysis to study the risk exposure and the Funding gap of a single Real Estate project under any kind of pressure, and to estimate the safeness of this project according to the result.At the last, the text takes the Stress Testing Model to test the project B of A Real Estate Co.Ltd and gets a result. The result fully exposes the risk exposure and the Funding gap of this project. It has great significance to the bank to control the risk.