Strategic Research On Real Estate Credit Risk Of Ningbo XX Commercial Bank

The real estate credit is an important part of the business of commercial bank credit. The subprime mortgage crisis has led to the bursting of the real estate bubble in the United States, coupled with the complex changes in the real estate market in China, in recent years, the fact that China’s commercial banks have to face the real estate credit risk has become increasingly prominent. China’s banks are faced with the ever-changing real estate market and the potential risks in the real estate credit. With the further increase of the total real estate loans, and the extension of the operational start-up, there’s a big problem that how could we guard against the risk of real estate loans of the commercial banks. The crisis which caused by it will directly affect on China’s macro-economic policy-making and economic development.. What’s more, it will even affect on all aspects of modern social and economic life. Therefore, making a research about the real estate loan risk has become more and more practical and significant for China’s commercial banks.Firstly. I will make a review of the paper, then I’ll give you an analysis about the current situation of the real estate industry in Ningbo City Commercial Bank and the cause of the risks. What’s more. I will make Ningbo XX commercial banks as an example to give you a detail analysis of the current situation of the real estate credit, and point out the issues related to the current real estate credit of Ningbo XX Commercial Bank.Finally. I will give some useful advice, for example, building more commercial banks to regulate the credit evaluation system, establishing a risk control mechanism, making real estate credit more safety, and establishing the dual credit insurance mechanism to improve the quality of the employees in the bank credit.