Analysis On The Influencing Factors Of Real Estate Credit Risk In China And The Preventive Measures

Recently, China’s per capita income levels have been significantly improved, and residents also increase demanding for housing quality, it contributed greatly to the rapid development of China’s real estate consumer market, leading real estate credit occupy most of the commercial bank credit business, even the proportion has also increased. But Accompanied by the gradual gathering of real estate credit risk, have gradually become the focus of financial theorists. So the studying of the real estate credit risk has great theoretical and practical significance. Especially with the downturn of the global economic environment, the real estate enterprise funds strand breaks are quite serious, these factors further lead to further dramatic release of the global market and resonance. Through the study found of the financial crisis in the past, whether it is in Western countries or China’s domestic market, the real estate industry’s any sign of trouble will cause severe vibration of the financial markets, and in turn will further promote the intensification of financial market risk affecting other industries through the chain effect healthy development. Especially in the domestic economy, the output value of the real estate industry occupies a significant portion of GDP the government is also very clear, the market trend of the real estate industry, other related industries.In this paper, the credit risk of the domestic real estate enterprises, firstly, introduced related topics Research, elaborated through extensive literature reading and related topics frontier research outcomes, studies on the subject have a general understanding of the process. Secondly, the credit risk of real estate enterprises, research theory elaboration and analysis, such as the concept of information risk characteristics and type of credit risk, credit risk, liquidity risk and other risks associated. For credit risk assessment study of the theory of risk assessment, such as: the financial crisis and risk theory, game theory, and options theory. On the basis of relevant theoretical explanations, combined with the current situation of the real estate credit risk of Jiangsu Province-depth analysis to explore the influencing factors and the problems of the real estate credit risk of Jiangsu Province, in accordance with the actual situation of the data, and put forward some practical significance of response measures, laiding the theoretical foundation for our country real estate industry health and steady continued development.