Research On The Risk Identification And Prevention Strategy

Rapid development of the real estate industry led the market economy, increase the fiscal revenue for the government, but the corresponding financial risks of real estate can not be overlooked. Real estate financial risks are mainly manifested in the following aspects: information asymmetry, banks face a double risk, price fluctuations, real estate bubble, to ensure the healthy development of China’s real estate, and the healthy development of the financial industry, strengthening the control of real estate finance is essential.This study is based on the introduction of real estate financial risk and risk management, risk management status and main measures, combined with specific cases, in-depth analysis of the current major financial risks, and on the basis of the above risk factors. The core problem of this research is to take the city of Nantong as an example, calculate the risk index value in real estate finance and find out the measures to deal with it. Detailed analysis of the real estate financial risk monitoring indicators, and through the city of Nantong as an example to calculate the real estate financial risk indicators, these indicators have four categories, found that the value of the real estate financial risk. Results from several large class index values found:1 real estate development stage indicators show that the growth rate of real estate in the province’s economic growth is too fast, may become the cause of financial risk, real estate investment value is not commensurate with the GDP, the investment rate exceeded the specified interval, the price is reasonable, and not indulge its rise, financial related ratio in a reasonable range, financial deepening in a reasonable range.2 real estate supply and demand indicators show that the city of Nantong real estate sales growth is far behind the growth rate of real estate supply, may lead to real estate financial risk, real estate companies are facing the risk of a market bubble, the pressure is also visible to the real estate market in the city of Nantong.3 real estate market price index quantitative analysis, the ratio of 10.8, has been significantly more than the reasonable range of 3-6, which shows that the level of housing prices in the city of Nantong is so much more likely to lead to real estate financial risks.4 real estate speculation level indicators show that the city of Nantong in the purchase of real estate may bring a higher risk of real estate finance, real estate loan growth is too fast, much higher than bank loan growth.The main results: 1. Broaden the financing channels of real estate; 2. To strengthen the bank’s internal capital control; 3. To further improve the real estate credit evaluation system; 4. The city of Nantong reduce the main methods of liquidity risk.