| Real estate industry is one of the most important business of national economy. In 1998, the urban Housing reform got its unique evolution, and the monetization-oriented housing assignment system took place of the Welfare-oriented public housing distribution system which had been carrying out for forty years. The privatization of housing property and the market-oriented housing supply had also been established. Since then, bank real estate credit has taken a great important role in promoting the development of our real estate market. Since 2003, real estate industry invests has been overheated, house price has also risen excessively quickly. Those assets foam worsen our real estate industry and meanwhile brought great deal of hidden trouble to our bank. From 2008, been confronted with the gigantic pressure, real estate market continue getting lost low though under a wide margin adjustment, which aggravated the risk our bank had to face to. It is the important subject to study how to keep watch risk effectively and real estate's healthy development.Chapter one depicts the evolution of real estate macro economic regulation and control from 2004 to 2008, and its influence to the market. This chapter also sums up the characteristics and effects of the macro economic regulation and control in these years. Chapter two summarizes the current situation of real estate industry. The author also analyses the foreground of the real estate market. Chapter three concerts with the influence that macro economic regulation and control takes to the bank real estate credit business and its risk guard measure. Correspondingly, the author expatiates on the form of bank real estate credit risk and its transmit principle. Combing with bank credit model analysis, the chapter also expatiates on the risk of policy\market\finance\manipulation\morality, puts forward the corresponding thoughts and countermeasures of bank real estate credit risk guard. |
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