Research On The Financial Risk Of Real Estate In China

In recent years, with the reforming of housing system in our country push forward continuously, the national economy increases continuously and the progress of urbanization more quickly, the real estate industry of our country develops with high speed, becoming a mainstay of the national economy gradually. At the same time, the real estate finance develops quickly, and gives play to the prominent function to the development of the real estate industry, becomes the important resistance of real estate industry.However the real estate industry is the profession with high risk, while real estate finance is propping up the quick development of real estate industry, it has to undertake the high risk of the real estate industry inevitably. In our country, because the channel to circulating necessary funds is very few, so the commercial bank becomes the undertaker of financial risk in real estate. All the evidences shows, the commercial bank of the our country has concealed real the important estate financial risks. The financial risk in real estate of the commercial bank had very big endanger, once it break out, it should spread to the whole financial system quickly, and affects the stability of the whole national economy. As a result adopt the positive measure against the real estate finance especially the financial risk in real estate of the commercial bank has been urgent.This text analyze the present condition of financial development in real estate of our country, synthesizing the theories knowledge of economics and finance, combines the theories analysis with the qualitative analysis, the system analysis and comparative analysis, studying with analyze our country main risk and reasons that real estate finance, and analyze western prosper financial risk in national real estate, point out the policy that against our country financial risk in real estate in commercial bank suggestion.The full text is divided into five chapters. Chapter 1 for introduction, introduce the investigative background and the present studying condition in problem in financial risk of real estate. Chapter 2 for financial risk in real estate and the influence proceeding of the social economy development the real estate industry with financial industry commences, analyze the necessity that against the financial risk in real estate. Chapter 3 for the analysis of financial risk in real estate in our country in currency, look back the financial policy of the national real estate macro regulative since 2002 , and to the result proceeding analysis of the policy. Chapter 4 for analyzing the main risk our country real estate finance and its reason, point out the financial risk in real estate in our country exsit in commercial bank. Chapter 5 for a foundation for drawing lessons from west developed-countries financial risk in national real estate against measures, combine with the situation of the our country, put forward the measures that our country against financial risk in real estate.Resisting the financial risk in real estate is a process for gradually. In domestic, it is still a completely-new comparison, operate the system along with the our country real estate with the reforming of financial system gradually, the financial risk in real estate in our country dissolves and related system developments must be perfect someday.