Housing Found Investment In Affordable Housing Construction Risk And Its Prevention

In recent years, China’s real estate investment enthusiasm is very high, the centralgovernment funds in order to ensure the steady growth of house prices and low-incomefamilies and housing, pushing the investment of900billion construction of affordablehousing, but this900billion is far fromimplementation of government’s financial capitalis limited, the construction of affordable housing is a long-term projects, the investmentrisk of the investment in such a project is inevitable. In this case, idle up to400billionhousing fund has naturally attracted attention. This paper studies the housing providentfund investment in affordable housing construction risk issues and how to prevent risks,a large number of idle housing provident funds are invested in the construction ofaffordable housing above, to broaden the financing channels of the construction ofaffordable housing. Explore a large number of idle housing fund a certain percentage ofinvestment in affordable housing construction. In the case of use of safety to ensure thathousing fund to help the effect of the construction of affordable housing. Thus easing thepressure on government finances, the successful completion of the construction ofaffordable housing.In this paper a detailed description and analysis of current situation and existingproblems of China’s housing fund. Using The Curve Estimation. SPSS software on thenet deposit amount of the housing fund regression analysis to predict the net depositamount of the housing provident fund, thereby increasing the grasp of the housingprovident fund future investment risk, and achieve the purpose of risk prevention. Ofcourse, with new affordable housing policies are rolled out and the application of newtheories, new technologies, this method will be continuous improvement anddevelopment, its usefulness will be greatly improved.On the financing of the construction of affordable housing, has its own particularity,that is a long investment cycle, a large amount of investment and complexity ofinfluencing factors. This determines the different characteristics and other investments,the purpose of this paper is to determine a reasonable investment of the housing fund, tominimize investment risk and gain maximum benefit. The article describes in detail the Markowitz portfolio theory and the VaR model,the theoretical study to explore the suitable combination of the housing provident fundinvestment patterns, and Shenyang City housing fund to invest in the empirical analysis,given the best provident fundinvestment ratio. The empirical results show that: the abovemethod not only can increase the construction of affordable housing funds, housingprovident fund rate of return, while also effectively reducing the risk. Summary at theend of the article to make recommendations on how to avoid risks, and put forward thearticle some of the inadequacies and areas for improvement.