Information Economics Analysis Of Real Estate Loans--Give An Example Of Real Estate In Guangzhou

Real Estate business is an important basic business in the national economy, it is also one of the important ways to start up the domestic demand, to improve the economic growth and standard of living. Real Estate Loans business is also a core business of commercial bank, it plays a very important role of promoting the development of Real Estate and increasing benefit of commercial bank itself. But at present, the badness ratio of Real Estate Loans from commercial banks is getting worse. Such a worse trend not only influences the whole asset quality of the bank, but also influences the development of the whole Real Estate directly.This study is based on the analysis of Guangzhou area, mainly focus on the present status and the existing problems, as well as the badness ratio increasing of Real Estate loans from commercial banks. By applying the Game theory and theories correlative with Economics of Information, constructing the analysis model, also combining with the real operating process of the Real Estate loans, the systems analyzing about the risk forming of Real Estate loans from commercial bank is taken by combing the theory and practice. Further more, drawing lessons from certain experiences of Real Estate loans from overseas commercial banks, the keep away measure is brought forward corresponding to the Real Estate loans from our commercial banks.