Research On The Commercial Bank Supervise Pattern Of Pre-paid Funds

Real estate development is a capital investment huge system engineering,is also theleading industry of the national economy,has a pivotal position in modern social life，itshealthy development plays an important role in the development of national economy. Atthe present stage,the financial system of our country is not perfect enough,it is difficultto meet the needs of real estate industry of capital.In order to solve the lack of fundingthe real estate industry,many companies will focus on the advance sale of commercialhousing funds,commodity house opens to booking a paragraph has become the largestsource of funds of a real estate developer.In practice,due to lack of the effective regulation of Pre-paid funds.Real estatedevelopers in the process of pre-sale funds infringing on lawful rights and interests ofbuyers is common.Regulation of commodity house opens to booking a fund，effectiveprotection of the interests of buyers, for the steady development of the real estate marketwill play a key role.This article will be based on the background and status of China’s real estateindustry,In the theory of pre-sale financial supervision departure.First, the pre-salefinancial supervision of commercial banks operating modes are analyzed and presentedproblems in this mode.Second, apply mathematical methods derived from the economicmodel analysis system of commodity house opens to booking a regulatory capital of realestate sales prices and affect the efficiency of the real estate market.The analysis showsthat,A fixed amount of capital regulation method does not affect the price of commercialhousing sale and the real estate market efficiency;Fixed capital regulation method doesnot affect the commercial housing sales prices, but will reduce the real estate market efficiency;Hybrid capital regulation method can undertake macroeconomic regulationand control on prices, under different conditions have different impact on the real estatemarket efficiency.Game Theory Analysis of commercial banks in the real estate salefinancial regulatory model the relationship between the parties involved in interest.Byanalyzing that,between the local governments, commercial banks, real estate developersexistence intricate interests,have an impact on the effectiveness of the Pre-paidfunds.Finally, learn from the real estate sale ifnancial supervision experience of foreigncountry and Hong Kong.The construction of a new type "institutional money moreregulatory model" put forward the thinking of commodity house opens to booking aregulatory capital and improve commodity house opens to booking a capital regulationand advice.