Statistical Research On The Financial Risks Of Real Estate In Our Country

The real estate is characteristic industry in the development of current Chinese economy. The Chinese real estate industry development, relates the correlation industry the development as well as the entire national economy growth. Real estate finance development, then is thorough along with the reform and open policy, but gradually develops along with the municipal housing system and the land use system reform as well as real estate industry recovering with the development. Studies under the market economy condition the capital finance to pass with the investment benefit, already became the real estate management and the policy-making core question. Constructs the system the Chinese real estate profession investment risk analysis method, and analyzes the Chinese real estate profession with this method the investment risk and the real estate froth question, has the certain theory significance and the practical significance. In the real estate commercialization, under the currency major tendency, the research real estate finance risk, to enters century real estate finance development is extremely essential . The finance of the real estate is irreplaceable important support and guarantee in the real estate develops. Structure theory model, is it have real estate forming mechanism and tolerance of foam , price of foam , default risk of situation to analyse, in implement the mortgage loan cases, the risk that investors invest in the real estate shifts the behavior and probability in breach, balanced prices of real estate and corresponding foams under different financing scheme , interest rate policy and tax policy situation, analyse the interest rate , and to the function suppressing the foam of price of real estate with the transaction cost and impact on balanced price of the tax policy to take off scale. Take precautions against the financial risks of the real estate, it is not merely real estate and stability and requirement for development of financial circles of real estate, and the stability and development to whole financial circles and national economy are essential. The credit analysis took the credit risk management the important constituent, safely has the vital significance to the property. Through analysis credit risk each aspect, correctly estimated the loan person breaks a contract the possibility, but guarantees under the risk smallest premise the profit maximization. The single room real estate mortgage loan credit analysis beginning analyzes each kind of risk factor which in individual housing mortgage loan exists. To guards against the real estate finance risk from the real diagnosis angle analysis influence credit risk factor to have the certain theory significance and the practical significance.