Study On The Control Of Financial Risk Of Real Estate

With the China urbanization increasingly warming,only real dose estate enterprises have a strong enough financial support for the construction,can meet the growing housing needs of national.Throughout the course of development of the real estate industry,there are two main types of financing way,equity financing and debt financing way.Because the equity financing way,is the capital of no repayment pressure for long-term operating,so this paper take the financing as the mainly financial financing way.For debt financing,bank deposits play a decisive role in financing scheme of real estate enterprises.Looking at some real estate developers,their borrowing bank deposits accounted for over 70%of total assets.When real estate prices remaining at a reasonable interval,and not much less than its value in use,it will become a assist in the continued prosperity of the real estate market;when the real estate prices are related to speculators,developers,local governments,it will speculate up,make its price much higher than the value.As long as the market decline,high property buyers will have no ability to repay bank loans,it will cause the financial risk.These risks include liquidity risk,credit risk,liquidity risk and other risks.In order to deal with this kind of risk,in the second part,this paper introduces the definition of risk,the definition of financial risk,financial risk,financial risk measure characteristics such as content.In the third part,this paper introduces the formation mechanism of financial risk,financial risk types of the mainstream of the real estate industry,as well as the main causes of the financial risks of real estate and related responsibility main body.Among them,the developers,speculators,just xuzhe,government,commercial banks are all the body for the financial risk,but the main body is the real estate developers themselves.When it cannot accurately do the preliminary market analysis and financial analysis,blind investment and construction are nort very likely to sell any related real estate projects,so that it can not return the amount of the loan to bank.In the fourth part of the article,in view of the financial risk causes,in addition to making macro strategy,I also conducted a mixture of equity financing,debt financing plan scheme,financing scheme of three aspects,developing with the risk countermeasure.In order to make the paper more practical,the use of teenage boy distributed knowledge,I put the interests of capital gains distribution as indicators.A company,having a bad financing structure and high interest loans,is likely to trigger financial risks.The government should control the financial risks,banks should strengthen the audit work,developers should do their own work.