Real Estate Loan Project Risk Management Research Of Bank Of DL

With the rapid development of China’s real estate industry,the scale of real estate development loans has grown rapidly,and the potential risks of real estate development loans of commercial banks in China have been increasing.Since the introduction of the "three red lines" in the second half of 2020,the concentration management of real estate loans by banking financial institutions and the "centralized land supply" in the first half of2021,Chinese real estate companies have been facing more frequent policy changes.In such a market environment,if housing prices fall,it will inevitably lead to a break in the capital chain of real estate developers,and a series of risks from the real estate industry will be transferred to major commercial banks.The risks caused by the reduced conditions and requirements and lenient post-loan policies of commercial banks in the early stage to seize the real estate development loan market will inevitably affect the stability of the financial environment when they explode together with the credit risks of real estate enterprises.In order to fully identify and resolve the risks of real estate development loans,commercial banks should take appropriate risk management measures,pay close attention to the borrower’s solvency as well as profitability,and enhance the anti-risk capacity of commercial banks.This paper adopts literature research method,case study method and a combination of qualitative and quantitative methods to divide real estate development loans into three major stages: pre-lending,lending and post-lending.Taking AH projects issued by Bank of DL for real estate development loans as an example,the paper compares the three major stages of real estate development loans with Bank of DL ’s internal credit system,rating system and external channels such as enterprise credit information public report,adjudication document network,credit collection and inquiry of defaulted executors,and analyzes the risk identification and measurement in the management of AH real estate development loans to conduct a systematic study of real estate development loans.The study shows that a unified credit approach should be adopted before lending,and a centralized management of the real estate development loan amount should be adopted.Understand in detail all aspects of the real estate development project information,combined with financial data,the borrowing enterprise’s profitability and solvency to do a good understanding.Combine the profitability and solvency of the enterprise to determine the credit line,and draw up the corresponding repayment method,and do a good job of capital supervision.During the loan,we should verify the various tax certificates provided by the developer,ensure that the funds invested by the developer meet the relevant requirements,check the qualification of various licenses of the developer,verify the progress of the project and the status of the pledges.After the loan,we should actively visit the site,combine online inspection and offline visit,follow the policy guidance,do a good job in the management of collateral and pledges and supervision of funds,check the online record after the pre-sale,grasp the sales situation and the return of funds,and develop corresponding risk resolution programs for different risk situations.In addition,we should pay close attention to the policies related to the real estate market,and predict the market acceptability of the project by combining the project’s market positioning,supply and demand situation,and comparison with the competitive ability of the neighboring competitors.Understand the project’s sales plan,channels and strategies and other measures,and actively take targeted measures to ensure the safety of bank credit funds in conjunction with the later sales filings.Before issuing real estate development loans should be when analyzing whether the cost of real estate development projects are reasonable,whether there is an inflated or depressed cost,measuring the financial indicators of real estate development enterprises in recent years,examining the profitability and solvency,setting up treaties,closed management of project funds,and not allowing any form of profit distribution before the loan is closed.If the real estate development enterprise fails to repay the loan when due,interest will be added in accordance with relevant regulations,the principal and interest will be deducted from the supervisory account of the relevant project or the collateral will be disposed of to settle the loan,and the guarantor will be notified to repay on behalf of the bank and legal measures will be taken to safeguard the legitimate rights and interests of the bank.