A Study On The Impact Of Monetary On The Real Estate Credit Risk Of Commercial Banks In China

The real estate industry is a pillar industry of the national economy. Since 2003, the rapid development of China’s real estate industry, the absorbed by financial institutions in the amount of the loan in our country commercial bank credit issued total accounted for the proportion of also gradually improved. China’s real estate industry over reliance on commercial banks and commercial banks and excessive concentration of credit in the reality of the real estate industry show, link between the real estate and banking and mutual penetration in China behave particularly prominent, line of business of our country commercial bank also more susceptible to the effects of operation conditions of the real estate market.At this stage, the real estate sales prices continued to rise, to some extent, beyond the affordability of people also deviate from the actual value, resulting in a series of social problems intensified. For the healthy development of the real estate market, our government introduced a series of monetary policy, and achieved some results. But from the Asian financial crisis, the international financial crisis and the financial crisis of the United States, it can be seen that the prevention of the real estate credit risk caused by monetary policy is particularly important.Therefore, how the monetary policy affects the commercial bank real estate credit risk, how the effect of the effect is the research focus of this paperThis paper mainly content is divided into six parts, the first, the two part describes the background and significance, analyzes the research status at home and abroad and summarizes relevant theories; third, the four part reviews effects of monetary policy and system analysis of monetary policy of China’s commercial bank real estate credit risk transfer mechanism and analysis of real estate credit risk of commercial bank the fifth factors; six or seven, the key part of this paper, on the basis of monetary policy, to complete the construction of the system dynamics model, simulation experiment and system model with statistical data, quantitative analysis of influence of monetary policy on the real estate credit risk of commercial banks, based on the analysis on the experimental results of China’s monetary policy provide improvement suggestions.