Analysis And Countermeasures Of Real Estate Financial Control Effects

Since 1998, real estate industry of our country makes quick development, the whole market is extremely prosperous and becomes the largest power of domestic economic development, and real estate industry has been the backbone industry of national economy of our country. However, some regions occur structural problems such as over-heating real estate investment tendency, commercial house vacancy area increase and too quick house price increase on the other hand. Research indicates that most part funds of real estate development enterprises of our country are from bank loan. This kind of real estate development mode that completely relies on bank loan makes real estate market risk increasingly centralize on commercial banks on the one hand, and real estate foam is also easy to expand by bank credit on the other hand. Therefore, adjusting financial policy in good time and keeping sustainable and stable development of real estate industry have important significance on preventing financial risk and promoting sustainable and quick development of national economy of our country.On the base of foreign and domestic current theories, the paper combines actual situations of economic development of China, makes comparative research on tools and effects of real estate industry financial control of our country, and uses quantitative analysis method to prove and analyze influence of monetary policy on real estate market from two aspects, i.e., interest rate and money supply. At the same time, it reviews the policies of our country on financial control on real estate market and their implementation effects in recent years, and points out the problems existed during actual control process. The paper analyzes the regional effects of national macro control on real estate market by using Rizhao as example, and uses some specifications to analyze Rizhao real estate market development situations.Finally, on the base of above discussions, the paper gives out suggestions on countermeasures of improving the effects of financial control on real restate industry: Including continuing control total money supply and constricting bank fluidity; improving artistry, coordination and stability of financial control policy implementation; quickening real estate financial system reform and promoting real estate financing mode innovation; enhancing risk control of real estate loan and establishing real estate early-warning system ; giving out series measures for perfecting real estate financial laws and regulations and gradually normalizing real estate financial market.