Research On Risk Of Real Estate Loan In Chinese Commercial Bank

The sub-loan crisis of the United States,which Originator in the United States in 2007,has been attacked the financial institutions, stock market, and other real economy areas of the united states. It has spread to the whole world at a surprising speed and became a global financial crisis. The direct reason of the financial tsunami is the bursting of the real estate bubble in U.S.So back to the real estate market in China in recent years, it is easy to find many similarities between the two countries in the development of the real estate market. With the rise of China's national economy, the real estate market has been developed rapidly, the sharply rising of the house prices; the residents'will of the individual buyers continued to rise, the size of the individual mortgage loans has grown rapidly. From 2002 many loan had been into the interest-rate rise cycle, real estate companies, buyers gradually increase the pressure of repayment; due to financial crisis, the state's macroeconomic measures and the real estate market pressure multiple callback itself, China's housing prices in many front-line cities started to decline, While there is a"default"phenomenon in Shenzhen At present, China's real estate loans accounted for one-fifth of total bank credit, as to whether the decline in housing prices would have a bank credit risk? Faced with severe economic and financial situation, China's financial system, the existence of security risks? Based on the above analysis, this article in the context of financial crisis, China's commercial banks in real estate credit risk on the study has an important practical significance.In this paper, the entry point is the real estate bubble burst in the United States, the background is the related theory of the real estate credit risk. With the integrated use of indicators and composite indicators, I measured whether the bubble has been exited in Chinese real estate market or not. With the comparative analysis between the China's real estate the development of the market in recent years and the real estate market of the United States, I get the conclusion and make appropriate policy recommendations.This article is divided into three parts: in the first part, I summarized commercial banks in real estate and related credit risk theory from real estate credit risk, economic cycles and real estate cycles, real estate bubble theory these areas. In the second part, I analyzed our current real estate credit risk of commercial banks, detected the real estate bubble in China's overall level by using the index systems method, and measured the extent of 35 China's major cities by using the aggregative indicator method. In the last part, I put forward the measures and countermeasures to guard against the real estate credit risk of China's commercial banks based on the analysis of three parts before.