A Study Of China Real Estate Cycles And Bank Credit Risk

In current China's people consumption is dull and investment channels is limited , it is important to develop the real estate to stimulate domestic demand and spur overall economic growth. Policy and the commercial banks' support enable the rapid development of real estate in recent years. The industry concern all people's livelihood, and therefore attracted attention from all sides.The study of real estate cycle abroad has already undertaken. In the context of the study, it can ensure the coordinated development of the real estate industry and promote each other in micro, in macro it can grasp the direction and intensity of regulation, thus ensuring fast good economic development. The real building market appeared about before ten years in China and there is no more than one cycle in China. In this background, we should study the cycle hard. Because of restraint of economic structure and mechanism, the real estate financing channels are more less and at this stage the Industry mainly rely on indirect financing of the commercial banks, we should be alert contains unquestionable in which financial risks. The article's background is the study of real estate cycle. The author describe the concerned debit risk from micro and macro and try to describe the outbreak conditions of financial risks in order to give a thinking methods to concerned people.