Research On The Development Of Real Estate Finance In The New-type Urbanization Era

Real estate has developed rapidly and marketed over the past 20 years.The real estate industry has become a pillar industry for the development of the national economy,the key element of the new urbanization development,the decisive factor of economic growth,and the safety valve of the financial and debt system.The total investment in real estate development accounted for 17.4% of the gross domestic product in 2017.It played a strong role in promoting domestic demand,expanding employment,promoting consumption and economic development.The urbanization rate in China is 58.5% in 2017,which will reach 60% by 2020.In the urbanization process in China,a large number of housing are demanded.As the leading and pioneer industry of China's economy,real estate industry is extremely sensitive to the change of financial policy.With the gradual expansion of the real estate market in China,the relationship between real estate and finance is becoming more and more close.Financial policy has become the most important factor affecting the development of real estate.On the basis of the new urbanization in China,combining with the real estate credit cases of the commercial housing and shantytown reconstruction of Q bank H branch,this thesis made an in-depth study of the real estate financial development.(1)In the context of our country's deepening of the new urbanization,the characteristics of the real estate market and the real estate financial development at the present stage are systematically summarized.The impact of the real estate financial regulation policy in the recent five years on the development of the real estate market is analyzed.Through the analysis of three key factors including interest rate,money supply and exchange rate,the influence of interest rate change on real estate price,supply,demand and the influence of currency supply,exchange rate on real estate development are discussed.(2)On the basis of the actual enterprise lending data of the commercial housing of Q bank H branch,the impact of financial policy on the real estate lending is summarized.The impact of credit cycle,interest rate change and credit risk on real estate credit is analyzed.The lending risk management for the commercial housing development enterprises is proposed.(3)Based on the importance of shantytowns transformation in the process of new urbanization,starting from the national situation and current situation of shantytowns transformation projects,this paper focuses on the real credit and policy of Q bank H branch in supporting the local shantytowns reconstruction.Some suggestions on the credit support for shantytown transformation are put forword,providing guidance for the financial institutions seizing market opportunities and optimizing the credit structure.(4)With the development of the current real estate market,concrete countermeasures are put forward for the development of real estate finance in China.The development of real estate finance in the new era of urbanization should be supported for a long time.The financial policy needs be perfected in three aspects: perfecting the policy of money supply,perfecting the credit of real estate and strengthening the function of interest rate.The diversified development of real estate finance should be actively promoted.The operation of real estate funds needs be standardized.Mortgage asset securitization needs be moderately developed.Real estate policy financial institutions should be developed,providing strong financial support for commercial housing development enterprises and the construction of affordable housing.The innovation of this thesis is summaring and analyzing the actual credit examples to reflect the influence of financial policy change on the real estate development and put forward the countermeasures for the real estate finance development,on the basis of the actual data of the real estate credit business of the financial institutions,combining with the credit analysis of the commercial housing development and the shantytown reconstruction in the new urbanization process.It plays a reference role in promoting the healthy development of real estate finance.