Analysis Of The Development Of The Real Estate Financial Business In NANC Bank

In recent years,real estate finance business,closely integrating with the financial industry,has developed rapidly and become one of the main income sources of China' s commercial bank.The macroeconomic regulation and control polices promulgated currently by the State not only affect the real estate industry itself,but impact on the property development of financial institutions.NANC Commercial Bank(NANC Bank),founded in late 2001,is a urban commercial bank in Nanchong county of Sichuan province.As of the end of 2012,its total assets has increased by the initial 703 million RMB to 1087.4 million RMB;deposits balances has risen by 600 million RMB to 899.17 million RMB;and the balances of lending has accelerated from the original 300 million RMB to the current 270.4 million RMB,in which property development loans account for 18.03 million RMB.After 12 years of hard work,NANC Bank in Nanchong county has made remarkable progress,yet in view of the macro-control polices by the government on real estate industry,it is essential to probe into the future development trend of NANC Bank.This paper mainly,by the theories of enterprise management and property finances,explores the primary problems existed in the real estate financial services of NANC Bank.After the five forces analysis,the author further points out the differential strategies in market competition.At last,this paper puts forward the corresponding countermeasures and suggestions,emphasizing the risk management in property financial industry.The full paper is divided into five sections.Chapter One is the overview of commercial banks' real estate financial business.The author first describes the definitions and contents of commercial bank and property finance,and then expounds the characteristics and significancesof property financial services.Later,the author sketches the development of real estate financial business in domestic commercial banks.Chapter Two discusses the status quo and problems of the property financial business in NANC Bank.Firstly,a brief introduction of NANC Bank and its operation condition are made in this chapter.And then the current situation and the primary problems facing NANC Bank s in real estate financial business are analyzed by the author in detail.Chapter Three analyzes the model of five forces based on the real estate financial services conducted by NANC Bank.In this chapter,the author first introduces briefly the model of five forces by Potter in strategic management,and then analyzes,from the perspective of intra-industry,NANC Bank s property financial services,in terms of its existing competitiveness,consumer and suppliers bargaining capabilities as well as the potential rivals and substitutes.Chapter Four argues the strategic choice in NANC Bank s competition for property financial business.This chapter firstly presents the development goal and market positioning of NANC Bank in real estate financial services,and later puts forward the differential competitive strategies with an aim to boost NANC Bank to grow in a bigger and stronger manner.Chapter Five provides some specific suggestions on the implementation of competition strategies.To ensure the actualization of differential competitive strategies,the author declares the corresponding countermeasures and advice from different angles,so that NANC Bank s property financial business can achieve its operational goals in a sustainable way.It is hoped that this paper will,through analyzing the main problems and exploring the countermeasures,provide reference for NANC Bank to develop its real estate financial business.At the same time,the author also hopes domestic property financial industry can get certain enlightenment from this paper.Due to the limited knowledge of the author,errors and omissions need to be corrected by teachers and scholars and the author records here the warmest acknowledgments.