The Financial Support Of The Tourism Real Estate Product Innovation And Risk Control

In this paper, on the basis of the theory of financial product support tourism real estate, with construction bank branch in hubei province some financial products to support tourism real estate project as an example, study how the innovative financial products to support the tourism real estate, and study how to control the credit risk on the tourism real estate project. This paper draws the following conclusions:First, commercial Banks in the tourism real estate investment project, it is mainly financial risk, the risk of irresistible natural and political risk and regulatory risk of national industrial policy, loan credit risk, the risk of laws and regulations as well as the tourism real estate a long-distance purchase risk.Second, through to the construction bank branch in hubei province some hot springs tourism real estate loans of the trust project case studies, the tourism real estate trust products can raise money for the development of tourism real estate, tourism real estate trust products and compared with other products, products advantages. Therefore, the future development of the tourism real estate trust will to the tourism industry in our country, a large number of construction funds raised for tourism real estate project financing gap, this trend will also be prompted tourism enterprises must carry out investment and financing in terms of development and innovation.Third, through the construction bank branch in hubei province \"hanyang.1889\" case study of tourism real estate project, the commercial Banks by Delphi method and expert scoring method for tourism real estate project risk identification and evaluation. In the research of this paper,\"hanyang.1889\" tourism real estate projects mainly exist natural risk, policy and market risk, economic risk, social risk, technology risk, management risk and so on six big kinds of risk. Construction bank branch in hubei province through the project risk management team, invite experts to evaluate project risk, at the same time organized a customer manager at all levels many times talks, so as to set up a corresponding credit risk control countermeasures.Fourth, through to the construction bank branch in hubei province \"hanyang.1889\" case study of tourism real estate project, the construction bank branch in hubei province is mainly from the following aspects to do a good job in risk control, including the strict implementation of the loan related conditions, well before the credit risk assessment, risk control of credit, credit risk management after the work, standardize the credit process, at the same time and the development of tourism real estate projects developers together to do a good job of market analysis, at the same time strengthening with related government departments in hubei province, especially the contact and communication of wuhan municipal government, get the support of the government level and logistics, a comprehensive range of ensure the safety of the bank credit funds.