The Vestment Risk And Prevention Countermeasures About Real Estate

In recent years, fast development of the real estate industry in China, the fund demand is huge. Limited by the financing channels, China’s real estate development funds in addition to the developers of a small number of its own funds, bank loans become the only source of funds, about 70% of the real estate development funds from a bank loan. The real estate industry is becoming highly interdependent and banking industry. This highly centralized loans to commercial Banks on a lot of risk. Real estate trust (REIT), that is, trust and investment companies play a professional financial advantage, through the implementation of the trust plan to raise money. For real estate development project, for the client to obtain certain benefits. Most of China’s real estate development enterprise’s own money all not more than 20%, and bank loans and tightening state, the restriction of the real estate development costs higher factors, the general property sales or leasing needs a long process, so the shortage of funds is a long-term condition. Therefore, the use of the trust financing tools has become a kind of effective method.This article first from the current situation of the development of real estate finance, analysis of diversified financing will become the development trend of China’s real estate finance; Secondly, on the current situation of the development of real estate trust, analysis of the real estate trust investment current situation and existing problems; Again, to our country real estate investment trust risk was analyzed, and points out the necessity of strengthening our country real estate trust, risk prevention, and then to our country real estate investment trust business risk measurement are analyzed, respectively from the traditional credit risk analysis method and the establishment of market risk measure of VaR model two aspects, and the risk of real estate trusts empirical analysis based on VaR method. Finally, analyzing how to countermeasures of perfecting our country’s real estate investment trust business. Should develop in the true sense professional real estate trust products, solve the financing problems in the real estate industry, promote the sustainable and healthy development of China’s real estate industry.