The Research Of Loan Risk Management On CF Branch Of The ICBC

The real estate industry is an important basic industry of the national economy and in promoting China’s economic development, adjusting the economic structure, improving people’s living standards and other aspects have a positive role in promoting. The commercial banks also include real estate lending operations as a core business, optimize the structure of bank loans, accelerate cash flow, increasing the role of economic profit. Especially the big five State banks, relying on its strong financial strength, in-depth involvement in the lending operations of real estate projects, and further promoted the development of the real estate industry. In recent years, to curb excessive housing prices, the State issued a series of real estate industry macro control policy. With the downward economic trend, prices turning, an unprecedented threat to the development of the real estate industry. In the context of current strong regulation of the property market, real estate development loans high risk as banks pose a threat, as well as of real estate loan risk of commercial bank management put forward higher requirements. Bank loan condition quality of business management, directly affects the overall Bank asset quality and momentum in the banking sector as a whole.Combining CF branch of ICBC housing loans business management, further study of real estate loan risk of commercial bank management. Selected object is typical, to a certain extent, reflect the General conditions of the Bank. In the current unfavourable real estate context, the ICBC CF branch to undertake research of real estate loan risk management, safeguarding healthy and rapid development of the banks, has a very important significance.This paper from the writing to the following aspects:First Department points introduction, main described has papers topics of research background, and purposes and meaning and structure arrangements and method; second part introduced has real estate loan business risk management related theory concept; third part pointed out that has ICBC CF branch real estate loan risk management in the exists of problem; IV part on ICBC CF branch real estate loan business exists problem of causes for analysis; last, in Qian several part based Shang, proposed should ICBC CF branch loan business risk management of recommends.Through this research, in the hope that ICBC CF branch real estate real estate risk management risk management decision makers have a reference and guide.