Real Estate Credit Analysis, The Correlation Of The Chinese Real Estate Bubble

The real estate industry is a high-risk industry, which highly relies on the creditaid from money market. If the credits on real estate increase too greatly, it ispossibility to urge the non-rationality increases on real estate investment, which willleads to the increase of real estate price and excessively prosper.This article uses the regression method to analysis relevance between the realestate industry and commercial bank real estate credit market. It strengthens theimportance on real estate credit management and national macroeconomic regulation.After study this article indicated that under the limit of land scarcity and theexistence of agent cost and private interests the commercial banks prefer to provideexcess loan to real estate market. Thus causes the systematically overestimate of realestate price, the excessively prospers of real estate market and the unbalancedconstitutive between supply and demand.