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Risk of loan of commercial bank real-estate manages how-to
From;  Author:Stand originally

General principles of the first chapter

The first risk that borrows money to raise commercial bank estate runs ability, laws and regulations of superintendency law of basis concerned bank and bank are cautious superintendency requirement, make definitive edition how-to.

This the 2nd how-to place calls estate loan is to point to the development with house property or real estate, manage, the loan that consumptive activity concerns. Basically include land to lay in loan, estate to develop housing of loan, individual loan, business room loan. This how-to place says land lays in loan is to point to what borrower extends to be used at land to buy reach the development of land early days, loan that arrange. The borrower that land reserve borrows money is confined to the orgnaization that one class develops responsible land.

Estate development loan is to point to what borrower extends to be used at development, build to the market sale, rental the loan of the real-estate project that waits for utility.

Individual housing loan is to point to what borrower extends to be used at buying, build and heavy repair the loan of each type housing.

Business room loan is to point to what borrower extends to be used at purchasing, the loan that makes the each type house property that is utility with commerce with heavy repair.

Risk of the 2nd chapter is controlled

The risk policy that the 3rd commercial bank should establish estate to borrow money and its are different the standard of operation examine and verify that the type borrows money, the content such as the choice that makes clear what different type borrows money to examine and approve the control of standard, operating sequence, risk, management after borrowing and intermediary orgnaization.

The commercial bank deals with real estate Wu, want risks of pair of real-estate loan market, law hazard, operation venture to wait give attention, build corresponding risk management to reach inside charge an institution.

The 4th commercial bank should build corresponding monitoring flow, ensure the staff member observes the standard of operation examine and verify of afore-mentioned risk policy and different type loan.

The 5th commercial bank should specialization according to what estate borrows money division of labor, according to application accept, examine and verify, examine and approve, the link such as the management after borrowing establishs respective professional morality standard and behavior standard respectively, clear and corresponding authority duty with assessment standard.

The 6th commercial bank answers in-house function branch and branch real-estate loan to have year special audit, form audit report. Audit report should include the following content:

(One) the year on in-house function branch and branch provides the integral circumstance of loan;

(2) the main problem that discovers in audit and processing opinion;
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