Information Economics Analysis Of Real Estate Loans

Recently, along with the economic development of our country and the increase of the income level of inhabitants, the demands of real estate are increasing quickly. Real Estate Loans business is also a core business of commercial bank, it plays a very important role of promoting the development of Real Estate and increasing benefit of commercial bank itself. But at present, the badness ratio of Real Estate Loans from commercial banks is getting worse. Such a worse trend not only influences the whole asset quality of the bank, but also influences the development of the whole Real Estate directly. This study is based on the analysis of Chengdu area, mainly focus on the present status and the existing problems, as well as the badness ratio increasing of Real Estate loans from commercial banks. By applying the Game theory and theories correlative with Economics of Information, constructing the analysis model, also combining with the real operating process of the Real Estate loans, the systems analyzing about the risk forming of Real Estate loans from commercial bank is taken by combing the theory and practice. Further more, drawing lessons from certain experiences of Real Estate loans from overseas commercial banks, the keep away measure is brought forward corresponding to the Real Estate loans from our commercial banks. In part 5 of the paper, the author chooses a typical example to completely analyse the process of loan risk occurring and control, the loan risk treatment means and effects, relating the example fact, summarize experiences and lessons for the loan risk management to banks. Standing on the management of the bank credit, author adopt the research approach of the real example and quote the credit case of the real experience to make the theory to combine with practical operation procedure of the real estate, also makeing it to be much more operating .