The Study On Real Estate Development Loan Risk Management Of Hunan Province Branch Of Bank Of Communications

With the prosperity of the real estate market in recent years, the investment ofreal estate field was growing continuously. But according to influence of macroeco-nomic fluctuation at home and abroad and nation control policies, the risk of real es-tate industry is accumulating and increasing. Commercial bank is the main channel ofreal estate enterprise’s financing, and real estate development loans accounted for themost part of bank loans. The risk of real estate industry can transfer rapidly to thebanking system, so effective risk management for real estate development loans isbecoming a important link of commercial banks to control the risk instantly. The ef-fectiveness of real estate development loans risk management for commercial bank isnot only related to the commercial bank’s stable operation, but also to the stability ofthe financial system even country. In this condition, the research for real estate de-velopment loan risk management is very necessary.This paper selects Hunan province branch of Bank of Communications as theresearch object, analyses the real estate development loan risk management problemsystematically, and puts forward the effective suggestions to improve real estate de-velopment loan risk management. This paper reviews firstly the domestic and foreignexisting risk management theories, providing theoretical basis for the next analysis;Then the current situation of real estate development loan risk management aboutHunan province branch of Bank of Communications is analyzed, and problems exist-ing in the risk management are put forward, including risk identification procedure isnot scientific, risk early warning system and risk assessment method are not perfect,and risk control means lacks of effectiveness; On the basis of the ideas, goals andprinciples about real estate development loan risk management system improvement,real estate development loan risk management is improved by risk early warning, riskidentification, risk assessment and risk control; Finally，five implementation andsecurity measures, including enhancing risk management team construction,strengthening risk management system, promoting risk information system construc-tion，building enterprise risk culture, and learning advanced experience of the industry,are put forward to Hunan province branch of Bank of Communications.