At present, the proportion of real estate development loans in banking business is not very high, especially for large banks, which are generally below 8% and even lower at 6%-7%. Some small and medium-sized commercial banks may be slightly higher, which is about 10%. If the whole real estate market is relatively stable and there is no big systemic risk, the risk of real estate development loans will not be great. For commercial banks, the income from real estate development loans is good and relatively stable, so commercial banks still have to do it.
Real estate is one of the most important industries in China. With the development of urbanization, the real estate industry in second-and third-tier cities in China still has a good development space, and it will definitely be a very important business of commercial banks. It can be noted that in the second half of 2008, when China was hit by the international financial crisis and the price of the real estate market fell, the credit of the real estate industry remained relatively stable. After the second quarter of 2009, the economy began to pick up and the real estate market price began to rise. Banks also increased the proportion of real estate loans accordingly, but there was no obvious increase. Generally speaking, this ratio reflects that commercial banks are still more concerned about this business.
2. What are the main risks of real estate development loans?
From the lender's point of view, loan risk refers to the possibility that the lender will face various losses in the process of operating the loan business. The loan risk is usually borne by the lender. Business license review, development qualification review, legality review of project materials, approval documents and construction land planning permit review, and self-financing review of construction. According to Article 25 of the General Principles of Loans, if a borrower needs a loan, he shall apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.
Third, in order to reduce the risk of real estate development loans, commercial banks require that development projects must have () to issue loans.
A, B, C and D