Study On G Bank Kunming City Shantytowns Loan Problem

Commercial banks in the entire business process will be faced with various problems, only to effectively resolve or control the losses caused by these problems, in order to survive, and then be able to develop. Shantytowns is a special phenomenon in the process of China's economic development, a lot of work currently shantytowns project in Kunming real estate companies, capital tense situation, has brought great credit to commercial banks.This paper is based on the commercial bank to the studio to change the project studio to change the business loans, first with the literature research method, the use of risk management, shantytowns, bank credit and other related concepts and follow from the risk identification and assessment to the decision-making process, and then use the method of comparative analysis, comparing with ordinary loans shantytowns municipal project loans, and solve the main problems that the shantytowns loans ideas; finally, the case analysis, combined with the specific case of Kunming LQ shantytowns project credit risk management, introduces the status quo of credit management and find out the G bank to change the loan credit management of real estate enterprises in Kunming shed, and put forward specific management suggestions. At present many projects in Kunming City shantytowns appeared arrears, shut down, was acquired in the banks financing has been overdue principal and interest owed a large number of phenomena, the loan problems have appeared, for the credit management of commercial banks has also brought greater pressure and challenges, through the investigation and study the city shantytowns project loans, and find out the countermeasures and suggestions to prevent the risk of the studio to change the enterprise funds to alleviate the pressure of commercial banks, and to resolve our city urbanization smoothly will play a role in promoting.