The Study Of China’s Commercial Banks Real Estate Credit Risk

With the rapid growth of China’s national economy, the advance of the accelerated process of urbanization and the existing housing system reform, China’s real estate market is showing a momentum of rapid development. The real estate industry has become a the main pillar industry of the national economy, and has an important leading role of other industries. Because the real estate industry is a capital-intensive industries, and its development is inseparable from the long-term support of the commercial bank funds, real estate loan income has also become an important contribution to the strength of the banking profit growth. Therefore, the continuous development of the real estate market, real estate credit scale is constantly expanding.Banking capital to enter the real estate industry, resulting in the risk portion of the real estate transferred to the banking industry. Bank as an important part of the modern financial system, the control of the risks related to the running of the entire financial sector and even the national economy. In order to ensure the security of bank credit funds,, the state authorities issued a series of policies to control the ratio of the proportion of own funds and mortgage loans in the real estate business. Credit assets is an important part of the bank’s assets, the management of the credit risk of the assets is extremely important. The article focuses on the study of the real estate credit risk assets.In this paper, a system of commercial bank credit risk management theory is introduced at first, and then analyzed from the perspective of macroeconomic and real estate industry real estate market of China’s commercial banks credit risk. China’s commercial banks credit risk and macroeconomic climate index derived by the method of empirical analysis, the relationship between the national housing economic sentiment index and the consumer price index. Based on the above analysis, this paper provides the corresponding countermeasures to commercial bank credit risk management.