Risk Assessment Of Real Estate Project Loan Of Bank H Optimization Research

In the past two decades,with the rapid development of urban construction in China,the real estate industry in China has developed rapidly and the house price has risen rapidly.As the industry is capital intensive and needs a lot of financing,bank credit funds are still the main financing channel for the real estate industry;Its loan interest rate is high,the term is long,and there are many deposits.It can also jointly develop personal mortgage and other businesses.Banks also favor real estate projects.The rise of house prices has led to the increase of land transfer income of local governments,and the real estate related industrial chain has played a significant role in stimulating GDP.Therefore,local governments have strongly supported the development of this industry.However,at the same time,the industry has occupied a large amount of credit resources and development resources,and the high housing prices have also increased the pressure on residents.Therefore,the state has proposed that "housing should not be speculation",set up three red lines for financing of real estate enterprises,and set up requirements for the concentration management of real estate loans for banks.At present,the real estate enterprises are generally faced with the problems of limited financing and tight capital chain.The policy environment faced by the real estate industry has undergone significant changes,and the period of rapid development of the industry has passed.After 2020,superimposed with the COVID-19,real estate sales were adversely affected.Several real estate enterprises successively defaulted on their debts,and the non-performing rate of bank real estate loans rose.In 2022,many local governments will reintroduce policies to support the development of the real estate industry,but residents have generally expected the real estate industry to decline,and the industry is facing difficulties in recovery.Real estate project loans account for a relatively high proportion of commercial bank loans.Controlling the risk of real estate project loans is of great significance for commercial banks to control the overall loan risk.Commercial banks will carry out risk assessment before the approval of real estate project loans,and the results of risk assessment will be the main basis for the approval of loans.Therefore,the risk assessment of real estate project loans will directly affect the risk control of loans.As one of the twelve national joint-stock commercial banks,bank h has a typical real estate project loan business model.Therefore,the study of the bank’s real estate project loan risk assessment has a certain universal reference significance for commercial banks to control the real estate project loan risk.Under the above background,the thesis adopts the literature research method,interview method and qualitative research method to carry out the research.The author first interviewed the real estate project loan risk evaluators of Bank H,and found out the problems and analyzed the reasons through reviewing the evaluation process,risk occurrence process,and loan collection and disposal process of the bank’s real estate project non-performing loans;Then,combined with the 5C analysis method of credit,it puts forward optimization suggestions from five aspects: strengthening customer credit evaluation,prudently evaluating the source of project repayment,fully evaluating the overall solvency of borrowers,prudently evaluating loan guarantee measures,and strengthening the evaluation of industrial policies and monetary and financial policies;Finally,relevant safeguard measures are proposed.The thesis hopes to provide reference for commercial banks in the actual work of real estate project loan risk assessment,reduce the occurrence of real estate project loan risk,and enrich the application of relevant theories.