The Development Of Micro-credit Building Inclusive Financial System Research

Since the second half of2009, with the recovery of the national economy and the real estate market rebound, national each major and medium city appears the rapid rise in prices, especially in2010after March, prices present the quantity and price rise situation, the real estate bubble gradually enlarged. Subsequently, the country introduced a number of successive real estate portfolio regulation policy. The real estate industry as a pillar of our country, involving the upstream and downstream industry many, on bank credit assets quality and business efficiency influence. The author uses empirical analysis, according to the potential risk factors affecting the quality of housing loans to individuals in the set pressure situation, price volatility of real estate market and the interest rate under the condition of individual housing loans, loans for a rural commercial banks and companies are making test plan, test execution results from the default, loss, influence degree the differences in the implementation of housing policy, credit control, rhythm, approval authority, improve risk provisions on business risk measures, and strengthen the real estate policy research, actively adjust the real estate credit access policy, optimizing the storage structure and management recommendations, and then evaluating the bank housing loans to individuals in the adverse environment risk tolerance and may the loss, in order to do a good job in the risk control and release of real estate loans, and promote the sustained and healthy development of commercial banks, guarantee personal and company housing loans.