A Research For Real Estate Credit Risk Of Commercial Bank In China

Along with the economic development of our country and the increase of the income level of inhabitants,the demand of real estate are increasing quickly .It has been making real estate industry grow high speedly. Real estate industry is taking on the good prospects for development , the investment growth of real estate industry has been increasing swiftly and real estate industry has become a new growth point of national economy, specially under the guidance of housing system reform and enlarging domestic domeand. Recently,fast development of real etate industry also caused a series of problems,for example ,the fund of real estate industry relies on the bank badly,real estate credit threshold excessively falls and real estate bubble engenders locally. They may shift the real estate industry risk to the commercial banks invisiblly. Therefore the commercial banks are facing with huge risk .The research on real estate estate redit risk has important theory meaning and practical meaning .With the help of the cases,this paper analyses cause of the real estate credit risk and puts forward measures for preventing the real estate credit risk from reputation,preference falsification,institutional justice.This paper is divided into six chapters, and comprises three parts. Specifically as follows:The first part:the first part comprises the first chapter and the second chapter, belongs to real estate credit theory summary.This part elaborates comprehensively and systematically background of research on the real estate credit risk,classification of the real estate credit category of the real estate credit risk,policy evolution of the real estate credit.The second part: the second part including the third chapter, the fourth chapter and the fifth chapter, belongs to this key part of this paper. The third chapter from reputation theory analyzes the relation between reputation and the real estate credit risk ,the reputation status quo of borrower and at the basic of reputation theory puts forward measures to prevent the real estate credit risk.The fourth chapter from preference falsification theory specifically analyzes the relation between preference falsification and the real estate credit risk,analyzes that preference falsification can attenuate the authority surveillance and the institution surveillance,and at the basic of preference falsification thoery puts forward measures. The fifth chapter from institutional justices theory analyzes specifically institutional justice's effect on the...