本文归纳、总结了近年来我国政府实施严厉的调控政策对房地产市场、房地产企业
及金融业所带来的影响，结合 Y 银行业务发展和经营管理工作的实际情况，分析了 Y
银行经营房地产开发贷款业务所面临的各种潜在风险，在此基础上提出相应的业务经营
及风险防范措施，包括坚持以人为本，培育健康的信贷文化；完善风险监管体系，加强
分析和研究工作；认真开展贷款审查与评估，严把贷款准入关；推行房地产开发贷款项
目管理模式，确保贷款安全回收；积极开展金融创新和推行信贷结构多元化，分散风险；
希望为 Y 银行的经营管理提供决策参考。
关键词：房地产；开发贷款；风险；防范
Abstract
In recent years, the policy of our government on the real estate market has experienced
from full support to control supply, then to comprehensively control stage. From the end of
2009 up to now, the government issued strong regulatory measures. Control measures had a
great impact on real estate enterprise's management and development. Commercial bank as
the source of credit is facing complicated market situation. The real estate development loan
risks can not be ignored. In this context, a large joint-stock State-owned holding commercial
bank Guangzhou branch ( hereinafter referred to as the Y bank ) is still actively expanding the
real estate development loans, hope that by developing the real estate customer’s projects,
achieve rapid development in deposits, loans, and intermediary business, and finish the annual
business assessment plan issued by the superior. How Y bank should comply with the
national regulatory policy, strengthen the risk management of real estate development loan,
and balance the relationship between business development and risk prevention become a real
problem that need to be solved urgently.
This paper summarized the impact by which the stringent regulation and control policies
of Chinese government brought to the real estate market, the real estate enterprises and
financial circles recent years. combined with the actual situation of Y bank’s business
development and operation management, this paper analysis the the various potential risks
which Y bank is facing in operating real estate development loans business. Basising on that,
this papar put forward the corresponding measures of business operation and risk prevention,
hope for provide decision-making reference for Y bank’s management. Measures including
adhere to the people-oriented strategy, cultivating a healthy credit culture; building prefect
risk management system, by strengthen the analysis and research work; carry out careful
assessment review to asure strict loan access; carry out project management mode of real
estate development loan, to ensure the loan recovery safty; actively carry out the financial
innovation and the credit structure diversity to dispersive risk.
Keyword：Real Estate； Development Loans；Risk; Guard
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