Risk Study Of The DF Real Estate Loan Project Of A Bank

Real estate has developed rapidly in recent years.However,behind the real estate boom,there are potential real estate credit risks that cannot be ignored.At the same time,in the whole investment cycle of the real estate industry,the capital accumulation takes a key role in capital-intensive industry.In the whole development cycle of real estate projects,there are various sources of funds for project development,but the indirect financing mode of bank credit is still the mainstream for funding.Therefore,in order to better develop the real estate industry,it is very necessary to do a good job in real estate credit risk management.Its long-time negotiation,a wide variety of involved parties and complicated structure lead it to being exposed to many risks.And in China,project financing is still at the primary stage and the commercial banks in China lack the efficient and sound way of analyzing the risks,existing in the loan to project financing.So for the commercial banks in China,it worth exploring the risk management of project financing and it makes sense to construct an efficient model of risk management for loan to project financing.After identifying and evaluating the risks,this paper summarizes some primarily technological methods used as risk handling in terms of risk management,and expounds the generality method commonly used in the loan to project loan to project financing.Finally,with a real case,the DF real estate loan project of A bank.we provide the evaluations of risk management for loan to project financing on the stand of commercial banks and put forward recommondations and options for the strategy of loan risk handling.