QN Bank Real Estate Development Project Risk Management Research

Real estate is one of the important pillar industries supporting the development of the national economy.Its development is related to the stability of society and people’s livelihood.Therefore,the real estate industry has always been concerned by the government and society.With the continuous development of social economy and finance,China’s real estate industry has entered a period of rapid development since the 1990 s.Over the past 20 years,it has maintained a growth rate of more than 20%,and the scale of investment and investment intensity have continued to expand.The foundation for supporting the rapid development of the real estate industry is a large amount of capital and capital support.Real estate project development requires a large amount of capital.Real estate enterprises not only need to pay more and more expensive land costs,but also face the rising cost of labor.In today’s society,real estate projects need to bear more and more expensive construction and construction costs.Therefore,most real estate enterprises need to obtain funds through various financing channels,and the proportion of self-owned funds to support project development is relatively low.Bank loans are the preferred financing route for real estate enterprises to develop real estate projects.The main reasons are: First,banks have the capital strength to support the development of housing enterprises;second,the cost of financing through bank loans is relatively low.Since the real estate industry entered a period of rapid development,the heat of real estate development has not decayed,and housing prices have continued to chase.In some areas,real estate development is overheated and faces huge inventory pressure.At the same time,the government’s regulation and control policies for the real estate industry are becoming more and more frequent,which brings many uncertain factors to the development of the real estate industry.Under the background of the dual influence of national policy regulation and market environment,the risks of real estate enterprises in project development are also getting bigger.At present,the main way for China’s housing enterprises to develop projects is to win land through a small amount of self-owned funds,and then obtain financing from banks through land mortgage loans and development loans.The large-scale development of real estate has caused the banks to accumulate a large number of development loans.Under the background of tightening national regulation and the persistence of market wait-and-see mood,the real estate industry does not rule out the possibility of systemic risks.This shows that bank development loan projects are facing.The risks are also growing.Therefore,under the background of the country tightening the credit policy of real estate enterprises,how to effectively manage the risks of bank development loan projects,reduce the default rate of loan projects,and improve the quality of banking services is one of the most important issues facing major banks.This paper mainly takes QN Bank as an example to analyze the current situation of risk management of QN Bank real estate development loan project,and through specific case analysis,it deeply explores the problems existing in QN Bank’s risk management process of real estate development loan project,including loan.The pre-approval is not strict,the macro analysis is not meticulous,and the post-loan work is not perfect.In view of the problems existing in the case analysis,combined with the actual situation of QN Bank,this paper puts forward the following suggestions: First,improve the early warning mechanism for default risk of real estate development loan projects,including building a dynamic monitoring mechanism for the development trend of the real estate industry,and scientifically adjusting the credit line of the real estate industry.Strengthening inter-bank information sharing and other aspects;Second,improving the risk control system for development loan projects,including strengthening post-loan tracking management of development loan projects,improving the collateral disposal system,and innovating the default project disposal path;third,enriching real estate development loan projects The risk transfer path includes the implementation of real estate loan securitization,the promotion of the use of credit derivatives,and the development of the loan transaction market.The research of this paper hopes to provide certain countermeasures and suggestions for QN Bank real estate development loan project risk management,and provide some reference and reference for other banks to develop loan project risk management.