Research On Credit Risk Management Of Real Estate Industry In Hebei Branch Of XX Commercial Bank

Real estate has a significant impact on the national economy.Commercial banks'in-depth study of the risk management of the real estate industry's credit business is necessary to promote the stable development of the real estate market and the entire financial system in China.As the coordinated development of Beijing-Tianj in-Hebei policies introduced gradually,in the context of supply-side reforms to deleveraging,capacity reduction,and destocking,Hebei Province's real estate market keeps its volume and price rising,the overall investment growth and sales growth is rapidly rising,the scale of real estate credits of Hebei Branch of XX Commercial Bank has also grown rapidly,however,the increase of credit does not match with the credit risk control measures,makes commercial banks investing in the real estate industry has accumulated a lot of credit risk.This article focuses on the risk management of the real estate industry credit business of Hebei Branch of XX Commercial Bank in the context of the integration of Beijing,Tianjin and Hebei.After briefly expounding the relevant theories of commercial bank real estate credit risk management,this article introduced the basic situation of Hebei Branch of XX Commercial Bank.Thus,combining the Characteristics of Regional Development of Real Estate Industry in Hebei Province,the recent real data was used to analyze and predict the development and trend of the real estate industry.And analyze the development status of real estate credit business in Hebei.By listing actual cases,the risks,causes,and problems of the real estate credit business of XX Commercial Bank Hebei Branch are explained.In combination with the existing risk management system of the case bank,from the three perspectives of the company,the external environment and the internal of XX Commercial Bank,using induction,comparison,and reference to advice the prevention and control of risk management of real estate industry credit business of XX Commercial Bank Hebei Branch,mainly including improvement of credit risk management measures for case banks in real estate,reduction of credit risk exposure,differential allocation of resources,transfer of credit risk for innovative financial products,and application Artificial intelligence,big data and other technologies,optimizing their own credit processes,etc.