Research On Real Estate Credit Management Based On New Finance And Land Policy

Along with the good functioning of the national macroeconomic, the real estate has been leap and bounds in a short time. Looking around the history of the world, that the real estate credit operations to the fast pace of sustainable development in such a short time is so rare although the real problem is still there. No doubt that the real estate loans will continue to maintain the balance of grew. As channels of real estate financing are single, also the rapid development of the real estate and the support by the bank funds is so close, that banks supply for real estate project development tight slightly will be enormous pressure to the real estate. In another word, the growth of real estate leads a very large role in driving economic and related industries. Therefore, the study on the real estate credit management is very important.This article starts from the develop situation of real estate credit, and points out development issues of the real estate credit, standing on the current results of research and experience which is relevant from home and abroad. Subsequently, this article analyses the AD-AS curve to point out the problems in the real estate development credit. Then the article re-analyses the factors which is affecting our real estate credit based on the curve coupled with a series of macroeconomic adjustment policies in the land, and financial. And then the article put forward the lending rate pricing model based on the Maximum principle, which is in the framework of the principal-agent, which lead to a series of credit control strategies. This article raises corresponding ways in different stage according to the process of real estate credit. Generally speaking, this article scratches the topic of credit risk management, from the aspect of prevention, measurement, monitoring, transfer, which embodied risk management thinking in advance, the process of and afterwards.This article is divided into five sections. The first part is prolegomenon, which elaborates the background and significance of this paper, and introduces the definition of credit. And then the writer expounds the market vulnerability of credit. At last the article made the research contents, the framework and the methods of the papers. The second part begins with the status studied in home and abroad. Then the article summated the real estate credit. In the third part of the article, the writer described the problems in the real estate credit based on the analysis of the AD curve and the study by the scholars in the light of the current. In part IV, the writer re-analysises the factors...