Research On The Impact Of Scale Reduction Of Real Estate Credit On Bank Performance

In recent years,the elimination of the real estate industry bubble economy,vigorously develop the real economy more and more countries,for the real estate industry artificially high prices,housing idle problem has introduced a series of regulatory policy,to ensure that the real estate industry to enter the stage of steady development.Affected by external environment,the development of the real estate industry the speed is decreased gradually,capital recovery period,lower yields,some small and medium-sized real estate enterprise funds strand breaks even even bankruptcy,the phenomenon of the real estate enterprises guarantee circle deterioration of trust between enterprises is more and more low,commercial banks for real estate enterprise credit scale is gradually reduced Instead,the loan funds into other industriesIn this background,the paper chooses the real estate economy is very large in the proportion of GDP in Liaoning Province as an example,analysis of the original loans in the real estate industry accounted for the majority of bank loans the proportion of cases,reduce the medium-sized real estate enterprises credit scale for Dalian branch of Ping An Bank Performance.The research can theoretically enrich the bank credit changes in the related research on bank performance,provide data reference for similar research;can guide the Dalian branch of Ping An Bank in reducing the development direction of the real estate business credit oriented selection from the practice,in order to achieve the research to guide practice,promote the development of diversified case bank purposes.In order to reflect the reduction of medium-sized real estate enterprises loans for Dalian branch of Ping An Bank performance,this paper discusses the research background and significance,summarizes the domestic and foreign research situation on the financial performance as the main index,take the time as the division basis,research,research found that the impact on the real estate to Ping An Bank medium business credit performance the current status and the length of period,Ping An Bank type medium-sized real estate enterprises credit scale and enterprise development prospect is not good and the phenomenon of multiple overdue repayment,and reduce the size of credit has little effect on the short-term performance of enterprises,has a significant negative impact on long-term performance.Reduce medium-sized enterprises loans,the Dalian branch of Ping An bank service object from the medium-sized real estate enterprises to the small real estate enterprises,resulting in the number of non-performing loans of small real estate enterprises increased,and the small real estate enterprise growth for medium-sized enterprises,and may appear when the former medium-sized real estate enterprises the same problem,which is one of the hidden dangers the bank’s development.To solve this problem,the future development of Ping An Bank,should be re planning the development direction of the profit loss loans make up through diversification;development mode of implementation,strengthen the management of loans to small and medium-sized real estate enterprises,the development of small and medium-sized manufacturing enterprises in order to improve the loan intermediary service;To ensure the implementation of diversified development model,Ping An Bank should strengthen the management of credit risk,improve the innovation ability of credit products,strengthen the organization and management,strengthen the ability of information collection and processing...