The Research Of Real Estate Price And The Bank Credit In Suzhou

In recent years, the real estate industry has becoming a pillar industry of our national economy. With the speeding up of the reform of the housing system and the improving of the urbanization process in China, there’s a situation of real estate investment,real estate sales, real estate sales making a spurt of progress in every area, the market performance is reflected out of a price excessive rising trendency, even a serious bubble trendency is appearring. At the same time, the price changes in real estate has also been widely concerned by all sectors of society, The government has introduced various measures to control the real estate in recent years.The expanding of the real estate,greatly promoting the economics development of the most city, the most important factors in the development process of the real estate industry is the financial support funds provided in the whole process.Since the start of the personal housing mortgage loan policy in our country, To help of the most commercial banks for real estate enterprises changes from the past simple credit loans to bidirectional support to provide credit for real estate development andhousing consumers.In the eyes of the commercial banks, real estate loans are high-quality assets, So far, the real estate industry dependence more on bank loans. So the method of getting loans through the market also began to access to the indirect effect of real estate price, This method has great effect on the national economy.At the same time, the commercial bank credit risk also exists.According to the idea, in this paper, the author interpretations the concept of real estate product market and housing and credit after doing research on literatu re at home and abroad. Using framework partial equilibrium mode to explore the relationship of bank credit and room rate upon The status and problems of the rea l estate market and researches before. In order to discuss the relationship, this paper does empirical test on bank credit and room rate here in Suzhou by means of c ointegrating relationship study and VAR model. The test result shows that there is a long-term stable relationship between this two elements, and it goes that the hi gher room rate is,the more bank credit producing, and vice versa.This final of the paper analyzes the interactive relationship between real estate price of Suzhou and the bank,some new conclusions are summarized, this is for the government to maintain domestic price stability, providing a reliable basis for the introduction of the policy;Also helping the bank to find sources of avoiding credit risk accumulation in the monitoring measures;Playing a positive role in practice for real estate developers planning development projects.