Study On The Influencing Factors And Prevention Strategies Of Realestate Financial Risks Of Commercial Banks In China

In the context of China’s rapid economic development,the development of the real estate market is also very rapid,the normal circulation of capital has become an important factor to ensure the sustainable development of the real estate market.To properly deal with the financial problems of the real estate market,it is necessary to make use of a perfect real estate financial mechanism.Therefore,the real estate industry needs to establish sound financing institutions and create sound financial instruments to continuously improve the ability of the real estate financial market to resist risks,so that the real estate market can develop well and quickly.China’s current real estate financial risks have been controlled,but due to the real estate financial risks have the characteristics of concealment,lag and long-term,and China’s real estate market financing channels are too single,the market system is not perfect,its development will change due to the change of economic conditions.With the rapid development of the real estate market,how to avoid the financial risk of the market is of great significance to the stability of the real estate financial system of China’s commercial banks.The ridge regression model,this article analyzed our country real estate financial business risk mainly exists in bank credit,so in this paper,by using the ridge regression model,in the real estate non-performing loans of commercial Banks balance growth indicators on behalf of the real estate financial risks and economic growth,money supply,real estate price level,factors such as per capita income,the impact on the real estate financial risks,the results showed that:1)The real estate financial risk level of commercial banks is negatively correlated with the macroeconomic cycle.When the macroeconomic recession,will increase the real estate financial risk of commercial banks;When the macro economy recovers or even flourishes,the real estate financial risks of commercial banks will be reduced.2)Real estate financial risks of commercial banks are negatively correlated with real estate credit policies.That is,when the real estate credit policy is tightened,it will increase the real estate financial risk of commercial banks;Otherwise,it will decrease.3)The real estate financial risk of commercial banks is negatively correlated with residents’ income.That is,the real estate financial risk of commercial banks will decrease with the increase of residents’ income;Otherwise it will go up.4)The real estate financial risk level of commercial banks is negatively correlated with the real estate price index,but the change of housing price has no significant impact on the real estate financial risk of commercial banks.5)The real estate financial risk of commercial banks is positively correlated with the amount of real estate development loans,that is,when the amount of real estate development loans increases,the real estate financial risk of commercial banks will increase;Otherwise it will go down.6)The real estate financial risk of commercial banks is positively correlated with the amount of house purchase loans,that is,when the amount of house purchase loans increases,the real estate financial risk of commercial banks increases;Otherwise it will go down.On the basis of the above research,this paper starts from strengthening supervision,improving the relevant legal system,adjusting the supply and demand relationship in the real estate market,so as to guide the long-term and orderly development of the real estate finance of China’s commercial banks and prevent the occurrence of real estate financial risks.