Focus On Unsupportable Real Estate Project Evaluation In The New Situation

The year between 2013 and 2015 gradual emergence of the real estate market bubble,rising prices and the housing vacancy rate is gradually increased,the national macro-control policy departure from the strong limit real estate development.A state-owned commercial banks to comply with the spirit of the policy and its own risk control requirements,significantly reduced the size of credit in real estate development,real estate project loans have been introduced list system,only about two dozen central enterprises a real estate company or real estate company affiliated project development loans,the distinction between supporting real estate projects and support non-real estate projects.Jiangxi Province in the country since the economically underdeveloped areas,less support projects,resulting in N rows Jiangxi Branch real estate credit business in Jiangxi gradually lost competitiveness.Against this background,we propose to optimize the credit evaluation system,to grant loans to the project while effectively control market risks.On the basis of the original real estate loan evaluation system,aiming at the characteristics of the non-N head office to support project optimization evaluation system,highlighting the assessment of priorities,through effective project evaluation and risk control thereby enabling the Jiangxi branch can issue non-N headquarters Support Project development loans.Reassess identify key indicators of the real estate credit project proposed class customer support from the non-qualification evaluation focused on non-supported projects focused on the evaluation and risk assessment focused on three aspects of the non-real estate loans to support class project evaluation.First,focus on corporate financing ability,segment position,the actual controller,financial data and project management system and the state of the market in which the client itself is high impact.Second,through its own sources of funding the project itself,mortgage rates,land valuation,capital ratio,financial net present value,payback period,etc.,re-examine the qualifications of the head office of the non-supportive project assessment priorities.Finally,the characteristics of non-real estate credit business head office support,and to explore the risk assessment focus of its operation of the project,the use of sensitivity analysis tables and table items Stress Test avoid systemic risk,while strong focus disposal cash collateral risk,the risk of default loan guarantees for projects,corporate financial risk management of the three non-systematic risk,try to reduce credit risk,while promoting the healthy development of the real estate credit business.The author from four qualitative indicators and quantitative indicators,customer access and project access empirical studies demonstrate and verify the applicability and scientific methods.In addition to the research process of this paper where the author cited practical experience in Jiangxi Province,but also with reference to a peer similar experiences in other provinces of the same economic level of real estate credit practices,we want to evaluate real estate projects operability some reference.