| In recent years, along with our country economy development level of constantly upgrading, housing system reform propulsion and accelerating urbanization of domestic real estate industry showing a high-speed development momentum, become a pillar industry of the national economy, to keep the national economy developing sustained, rapid and healthy development of played an important role. And the rapid development of real estate finance business of real estate industry development has played a pivotal role, a real estate industry stability and development of the important guarantee. The current commercial Banks to real estate industry support throughout from land reserve, real estate development and sales of various links. The real estate industry of commercial Banks of highly dependence brings potential financial risks in the real estate, especially in parts appeared investment growth too large, land supply excessive, prices quick etc "real estate bubble" phenomenon, if not in time to conduct research and prevention and control will affect real estate finance business and even the entire economy of healthy development. Therefore, changsha city real estate finance risk of research into current changsha national economy of important topic.This paper analyzes the domestic and foreign mature real estate finance risk theory, to its historical, causes and its classification to do a simple expounded, and thorough investigation and empirical analysis was analyzed on the basis of changsha city real estate finance risk situation, and in each stage the risk and link of generating analysis. This paper aims at hope to explore that gives a kind of relatively practical real estate finance risk control mechanism and system and corresponding measures, hoping to use the method of science and the means to study risk occurs and the variation rules, find out reasonable risk control and management, service in the future real estate finance business development in changsha city. |
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