The Research Of Real Estate Personal Credit Risk Guard In Our Country

1. The meaning of the thesis studiesIn recent years, with the rapid expansion of real estate market, the credit scale of real estate expands accordingly in Chinese banking business. The loan balance of personal house-purchase for residents has in particular shown a tendency to rise sharply since 1998. On the other hand, with the development of the financial transaction of real estate, a series of problems arise too, and it's more dangerous for every commercial bank to neglect the potential problem while generally holding that the non-performing loan rate of personal credit of the real estate is low at present and hence a fine loan transaction. In fact, the risk of personal house-purchase loan that is accumulated and released gradually, will not be noticed until three to eight years later. Therefore, our country is approaching the outbreak period of this risk. At present, the fast expansion of personal credit of the domestic real estate and financial risk accumulated have already aroused the attention from the theoretical circle whose research of this problem will promote the sound development of personal credit, the whole economy and finance and help bring a coordinative and sustainable development for finance and national economy.2.The main content of the thesisBased on the general theory of the real estate finance and its risks and the analysis of the current situation of the development of Chinese real estate and real estate finance, the author has in detail probed the superficial forms and the reasons for personal credit risks and put forward countermeasures to prevent and control them on the basis of international borrowing and comparison. The body of the text is divided into six parts. Part one: The author believes that the financial scale of real estate of our country will increase continually and steadily and that real estate finance structural weight will turn to the personal housing loan progressively from the loan of real estate development after explaining the concept, the...