摘要:房地产行业己经成为我国经济的支柱型产业。因为整个产业链
条所需资金巨大,在我国目前的房地产金融格局下,房地产行业的资
金来源主要是商业银行。但我国房地产经过近年的高速发展,已经出
现了较大程度的泡沫,在当前国家房地产政策趋紧的大背景下,银行
的房地产信贷风险开始显现。因此,结合农业银行湖南省分行的实际,
深入研究其房地产开发贷款的风险管理问题意义重大。
本文首先回顾了国内外关于房地产贷款风险研究的相关文献,概
述了商业银行房地产信贷风险相关理论,对湖南省房地产市场情况和
农业银行湖南省分行房地产开发贷款业务发展状况进行了总体分析,
重点探讨了农业银行湖南省分行的房地产开发贷款风险的成因,最后
针对商业银行信贷风险管理,从把握宏观风险、控制集团客户风险和
强化信贷流程控制三方面提出了针对性的管理建议。
关键词:房地产开发;信贷;风险管理
分类号:
Study on Risk Management of Real Estate Development
Loans of Hunan Branch,Agricultural Bank of China
Abstract: The real estate industry has become a pillar industry of
Chinese economy . Because the whole industry chain required huge
funds , the commercial banks is the main source of funds for real estate
industry in our current financial situation. In recent years, there have
been a greater degree of bubble in Chinese real estate through the rapid
development.The national real estate policy is tightening in the current
and the bank's real estate credit risk is starting to show. Therefore, the
study on Hunan Branch of the Agricultural Bank 's real estate
development loans risk management is great significant.
This paper reviews the domestic and foreign literaturer related to real
estate loan risk research,and gives an overview of real estate credit risk
theory related to commercial banks. Then this paper analyses real estate
market situation in Hunan Province and real estate development loans
business development in Hunan Branch of Agricultural Bank of
China.After taking a focused analysis of real estate development loans
risk causes in Hunan Branch of the Agricultural Bank of China , this
paper make management recommendations on controlling
macroeconomic risk, Group customers credit risk and setting better credit
process.
Keywords: Real Estate Development; Credit; Risk Management
Classification :