Research Of The Relation Between Price Of The Real Estate And Bank Loan, And The Impact Of The Development Of The Real Estate Upon Economic Fluctuation

Against the background of rapid development of real-estate sector, this article was written on the basis of statistical data and in conformity with the principles of the combining theory with practice. It is focus on studying the development of real-estate sector and bank credit in our country and the relationship between real-estate sector and economic growth.This article consists of seven chapters. First, it concerns some present problems about position and existence in the real-estate sector and analyzes the financial risks and its causes. The forth chapter and fifth chapter are core of the whole article. By using some ways, such as correlation analysis, regression analysis, dispersion analysis and etc, the forth chapter give an opinion that the relationship between value of the real estate and bank credit is direct proportion according to a series of statistical index. By using trend analysis method, dispersion analysis and etc, the fifth chapter analyzes the relationship between the developing period of real-estate sector and national market.Last, the close relationship between real-estate sector and bank credit may lead real Estate financial risks. In order to adapt to these situations, it puts forward some advices and countermeasures about building or reforming mortgage backed securitization system, housing insurance and guarantee system and personal credit system, which are in the light of some advanced experiences from foreign countries. Novelties in this article: 1.Show some main present problems in real-estate sector in our country by using statistical data. 2.Quantitative analyze the relationship between value of the real estate and bank credit, fluctuation of real-estate sector and fluctuation of macro-economy by using different statistical methods. 3.Suggest an idea on building or perfecting the pre-warning indicator system of real estate bubble, especially it is of certain immediate significance to measure real estate bubble by using NPV method.The limitation in our article is that it is necessary to do some in-depth study on theory. Besides, it is uncertain that weather the conclusion educed by using statistical methods own certain immediate significance. Therefore, it is necessary for us to do more tests in the practical economic life.