The Research Of A State-owned Commercial Bank’s Evaluation To A Company’s Real Estate Project Credit

In recent years, China real estate industry’s development is fast and violent, and to a certain extent, pulls the whole economic level for our country. In the operating process of real estate, the bank plays an important role as leverage, for a great extent to support the prosperity of the real estate industry. Along with our country’s banking industry developed better and better,the business gradually become mature. Among them, to the bank credit, real estate project loans still occupies a large share, therefore, for the bank staff, do some research and analysis for the qualification of real estate project loan and risk prevention has a certain operational and practical significance.At present, the real estate industry,which is under the macroeconomic regulation and control,developed slowly,whose size reduced gradually. There is too much stock and the supply exceeds demand in our country’s real estate industry,which also has high risks, makes the country issued a series policies to alleviate the pressure of the real estate market,such as to reduce the stock. In addition, because at present our country banking industry still has some problems on the communications in the process of doing the sequel credit, such as couldn’t get all the credit information of the borrower,truth or not of the information the borrower provided, some information can not be connected, make it limited for the bank’s credit capital recovered timely, and there is a big uncertainty risk for the bank’s credit funds recovery. Based on the above reasons, most banks take prudent attitude to the credit of real estate project, further restrict on the credit scale of real estate industry, standardize the loans’ qualification review process.This article take the literature method, observation method, analysis, comparison research method, such as in A state-owned commercial bank’s credit policies and procedures, the feasibility of real estate projects A company credit, mainly from the subject qualification, the project situation, the payback period, the comprehensive income of the loan period, amount, payment options and risk prevention credit factors such as A detailed analysis and research. Sets out from the case, further comb commercial bank credit for real estate project examination and approval of whole process, so as to clear the main point of risk credit of real estate project, provide the basis for the banking risk prevention.