A Study On Risk Managment Of Real Estate Development Loan In Guangxi Branch Of Bank A

The development of real estate industry directly promotes urban construction and thus economic development;However,risk and development always associate with each other.With the growth rate of credit significantly exceeding that of GDP,the overall macro leverage index of China economy has been rising in recent years,which is directly reflected in the significant decline of credit quality.In order to ensure the sustainable and healthy development of real estate industry,it is clear that the prevention and control of risks in real estate business is still playing an important role in China economic and financial work in recent years because of the prominent economy-facilitated effects of real estate industry.In this context,based on the principle of combining theory with practice,this thesis adopts literature research method,case analysis method,and qualitative and quantitative methods to study the risk management of real estate development loan in Guangxi Branch of Bank A in this administrative region,so as to put forward improvement suggestions for the risk management of real estate development loan in Guangxi Branch of Bank A.Firstly,this thesis analyzes the credit policy and risk management process of real estate development loan of Guangxi Branch of Bank A,and lists the factors affecting the risk of real estate development loan.The next,by identifying the risk management situation of real estate development loan in Guangxi Branch of Bank A,this paper explores the risk management problems of real estate development loan in Guangxi Branch of Bank A,and puts forward the preventive measures,countermeasures and suggestions of real estate development loan risk in Guangxi Branch of Bank A.Finally,this paper introduces A real estate development loan risk management case of Guangxi Branch of Bank A,analyzes the risk management problems of the case,and applies the proposed coping strategies to prove the effectiveness of the countermeasures.Based on A bank Guangxi District branch area of the risk faced by real estate development loan business characteristics,the existing real estate development loans risk management refinement,some countermeasures to improve maneuverability,aims to further improving the quality of A bank Guangxi District branch credit assets,guarantee A Guangxi District branch of bank A stable development of real estate development loan business.