Research On The Risk Of G Bank Loans Under The Background Of Regulation And Control

China’s real estate market is one of the largest real estate market in the world today. Since China’s reform and opening up, along with the rapid development of urbanization, China’s real estate industry has been rapid development. In order to promote the real estate industry is smooth, healthy and sustained development, the country since 2009, intensify the regulation of the real estate market. Real estate policy has experienced five times roughly upgrades, in the long term to promote the healthy development of the real estate market, reduce the risk of real estate credit; For participants in the real estate market-- banks, real estate regulation policy of the government plays an important role in the banking credit risk of real estate.Mortgage assets in this paper, the commercial bank risk management related theory are analyzed, including mortgage assets risk types, mortgage assets of commercial bank risk management concept to understand such as reading, analyses the mortgage assets of commercial bank risk control methods, such as credit rating method, the application of modern multiple scoring model, etc., this paper expounds the cause mortgage risk customers,Banks and other factors. In this paper, the national regulation policy of real estate in recent years was analyzed, and the research is mainly focused on the zhuhai municipal industrial and commercial bank of real estate loans, real estate loan risk management process, the real estate loan risk identificationsystem, and expounds the G bank of real estate assets main problems of the four aspects of risk management. This paper analyzes the G bank operational risk measurement model, using the analytic hierarchy process(ahp), to calculate the risk of G bank of the main index weight, the effect of G bank risk management is mainly internal security indicators. And the causes of safety and liquidity of bank funds to carry on the analysis, this paperanalyzes the problem of G bank risk management countermeasures and suggestions are given to create the enterprise culture, risk management,strictly control the bank’s internaloperation process,to strengthen the credit risk management idea, strengthen the real estate credit risk prevention awareness, at the same time, to further improve customer manager’s strengthening performance appraisal.