The Interaction Research Of China’s Housing Price And The Bank Credit

In recent years, China’s real estate market developed fast, while the real estate price has been rising, caused the wide attention from all sectors of society. According to the development of the economic situation changes, for the objective need to maintain sustained economic growth and macroeconomic regulation and control, the government to curb the rapid growth of real estate investment has promulgated a series of real estate macro-control policies, bank credit is also an important means of macroeconomic regulation and control, credit and the relationship between house price and the bank has become a hotspot in recent years related research.This article first elaborated the paper selects the topic background, the research purpose and significance, then summarized relevant research literature at home and abroad on the basis of some general conclusions, and gives the research idea and content of articles; And then analyzes the status quo of real estate credit and real estate market in China, the paper expounds the current situation of the development of the research object, the credit of real estate and real estate market development present situation as well as the interaction, respectively from bank credit policy on real estate price influence is analyzed; Then from our country housing credit and real estate market present situation analysis, housing prices in Shenzhen as an example, from Shenzhen housing credit and real estate market development history, analysis of current situation analysis, Shenzhen housing prices, the Shenzhen housing credit risk analysis of the status of Shenzhen housing credit policy status in four aspects, such as analysis of the status quo of Shenzhen housing. Then the interactive relationship between the housing price and bank credit in China is analyzed and explained, respectively on the effect of bank credit on China’s housing prices and housing price fluctuations on the impact of bank credit feedback mechanism are analyzed, and select the relevant data of Shenzhen real estate market, using cointegration analysis, measurement methods, such as data stationary test, error correction model aiming at the problem of the article has carried on the empirical test and analysis. Finally the paper gives the reasonable adjustment of the real estate market and bank credit relationship related Suggestions. At the same time, the paper also effective research presented in this paper the conclusion of the real estate credit has important practical significance.