| With the relevant reforms of the housing system in China in recent years,the real estate industry has entered a period of steady growth after more than a decade of rapid development.The real estate industry has the characteristics of high concentration of funds and huge capital support for the development of the industry.At present,the financing method of the real estate industry in China still relies on bank credit,and the risk is still mainly concentrated in the banks;how to strengthen the credit risk management of the real estate enterprises in the banking industry,thus Improving the quality of banks’ assets and ensuring that funds are healthy and well-functioning is an inherent need of the banking industry.This paper takes the operational risk of credit extension business of CITIC Bank L Branch as the analysis target,and studies the current situation of real estate loan risk management and control of CITIC Bank L Branch by means of data method,case analysis and research method.From the management and operation of bank,this paper studies the key problems hidden in the credit business risk management and control of CITIC Bank L Branch,including: total restriction system,lack of necessary risk management and control system,lack of sound real estate loan risk assessment mode,poor guarantee effectiveness,and lack of pre-alarm system of real estate credit service.In order to effectively improve the real estate credit industry of CITIC Bank L Branch.This paper gives targeted and enforceable opinions on risk prevention from many angles,including: improving the system,carrying out the risk control of real estate loan in the whole process,carrying out the concept of risk control,establishing a sound risk evaluation model,strengthening the conditions of credit guarantee,establishing a sound pre-alarm system of real estate credit business,and so on.The purpose of this paper is to improve the prevention and control of the operational risk of real estate credit business and reduce the loss of bank credit assets. |
