新形势下商业银行民营房地产开发贷款的风险管控策略分析.pdf

第三，针对民营房地产企业道德风险、违约率较高等问题，提出了解决方案；最 后，提出了通过预警信息分析机制，降低商业银行对民营房地产企业开发贷款风 险控制的滞后性。促进商业房地产行业授信健康、和谐、平稳发展，确保我国金 融体系安全及国民经济稳定向前发展。 关键词：房地产；民营；银行融资；开发贷款；授信管理；风险管控 ABSTRACT The real estate industry has a high degree relevance of other industries in Chinas economy.Its smooth, healthy operation has major significance onstable development of the national economy.With the development of Chinas economy, the per capita disposable income growth and accelerated urbanization, Chinas real estate market has been rapid development, and the real estate development and investment increased year by year.Commercial bank loans are the main source of funds for real estate development projects, the more share of real estate development loans in total loans of commecial bank, the more risks are gathering. Benefit from high-speed development of the real estate industry in recent years, private real estate companies are springing up, and gradually make a figure in the industry.With the private real estate companies gradual increase the market share in the real estate industry, the growing proportion of private real estate development loans in the real estate loans of the bank,so it is call for new research of credit risk management and control. In 2010, Chinese government promulgated the eight new real estate market regulation measures and five new real estate market regulation measures ”.In 2011, the government continue to adhere tocurb the growth in demand for supply regulation ideas, which is “eight new real estate market regulation measures ”.The main feature of this round of regulation is:high frequence of adjustment policies, high degree of adjustment policies and high determination of adjustment.Until now, the effect of adjustment