| Abstract:In2012, with the national housing and urban and rural construction will continue to adhere to the policy of estate adjusting control not to shake, the state of the real estate regulation and control in the near future will be relaxed, so that China Banking Regulatory Bureau also stressed the importance of tightening bank loans to real estate enterprises strength. Therefore, commercial banks in accordance with the deployment of the central bank policy and the adjustment of the real estate enterprise credit assessment level. Currently the four major commercial banks, the main source of profits to the enterprise loans interest income, however in our country commercial bank business loan is still the main profit assets, loans accounted for the total asset business of more than80%, while loans in the banking system also is in the highest risk of bank assets. Can say, the quality of loan, modern to our country commercial bank’s operating quality and even the survival development, plays a very important role and influence.In recent years, China’s rapid economic development, especially the rapid development of commercial real estate, as the bank’s financial product is increasingly rich, financial derivatives will be the real estate industry with the bank closely linked. From the real estate feasibility study into the development of investment to link sales, real estate enterprises are in great need of bank loans. Therefore, to support the real estate of blood is the loan of the bank, the Bank of real estate loans the interest income, and real estate bank loan to support the development of investment project management, from the real estate pre-sale derive their income, eventually to repay bank loans and interest.In this loan, sales, repayment process, any link error and stagnation would lead to bank loans can not be recovered. From09years of world financial crisis, it is due to the banking regulatory department oversight, as well as the modern financial tool to abuse, resulting from the mortgage loan of real estate is caused by the global financial crisis in the world.In China’s booming real estate market, commercial real estate has developed rapidly in recent years, especially in the country after the introduction of regulatory policy, the real estate enterprises timely adjustment of product and strategy, with the bank closely, in real estate by national policy regulation under the trend, commercial real estate can still make the most of real estate enterprises cast off predicament to realize good performance. Due to the development of commercial real estate project investment amount is large, turnover period of day length, the more uncertain factors, the risk is big, need more funds in banks as commercial real estate, so to do commercial real estate development project loan risk assessment, for banks to reduce loss of avoid risk is of great significance. |
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