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Evaluation Research of LC Real Estate Loan Project

Author: WangChunYan
Tutor: KongQingFeng
School: Shandong University
Course: Industrial Engineering
Keywords: real estate development bank loan project evaluation
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 105
Quote: 0
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Abstract


At present, the real estate industry in China’s national economy has become more and more important, from the industry’s contribution to GDP can manifest. City real estate market is the carrier, the real estate market is the important sign of city and content. The real estate market is one of the important factors of city competitiveness, how to ensure the sustainable and healthy development of city real estate, how to maintain and enhance the sustainable development of city real estate development concern issue.From the point of view of regional distribution, the national real estate market land price and land price the highest land ten seven in first-tier cities. First-tier cities land price rise considerably not only increase the enterprise development management risk, have greatly improved the development of enterprises in the local investment threshold. To the enterprise, looking for land price low, market prospects for the two or three line of the city has become an imminent problem. The high prices prompted the central government to increase the real estate market policy adjusting control strength, in the part of the city especially the first-tier cities housing price to income ratio increased substantially in the context of the short term, the real estate market is faced with some uncertainty, looking for the burden on residents of the purchase of smaller, a broad space for development in the two or three line of the city for all types of enterprise development is significant.At the same time, domestic commercial bank loans as the main use of funds, because of higher interest rates relative to the bank deposit of funds, is the main source of profit of commercial bank. Especially medium and long-term loans, due to its large amount, long duration, and average loan of business are in buy line for clearing, can give banks with more intermediate business income, so long-term loans for commercial banks has a strong attraction, is to improve the commercial banks’profit level is an important way. Of banks and loan project high yield the corresponding are at high risk of Chinese commercial banks, especially state-owned commercial banks have long high rate of bad loans also illustrates this point. A high rate of non-performing loans not only restrict seriously the development of commercial bank itself, but also constitute the Chinese economic and financial operation risks. The NPLs the reasons are diverse, but the important point is that the loan before the assessment method is undeserved, only with the loan object short time contact or on loan financial situation rough calculation to determine the loan or not, making loans were implies a greater risk.In this paper, a LC AA project analysis. From the following aspects:the real estate industry development situation, LC city and general situation of the project, project investment, project investment market environment social and environmental impact assessment, investment estimation and economic evaluation analysis. The investment future earnings did not occur, causing greater uncertainty, so project evaluation is of great necessity.This paper introduces the current bank of China mid long term loan of existing assessment methods, the existing problems were analyzed, and aimed at these problems put forward improved opinions. At the same time, the thesis in these improvements on the basis of the establishment of a comprehensive long-term project loan assessment methods, through the use of the method, can make up for the current and long-term project loan assessment methods, the selection of excellent customer, reduces the risk of loan recovery has played a positive role. The article in the medium to long term loan project evaluation method was studied at the same time, combine with a case, to the Bank of existing assessment methods as well as defects on the new evaluation method of. This article through to a loan project evaluation reports for analysis, evaluation, find the lowest risk, profit the biggest the best project loan assessment method, related to other project has certain guidance and reference significance.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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