Research On China's Real Estate Financial Risk Early WarningTaking Zhejiang Province As An Example
Journal Title: International Journal of Humanities and Social Science Invention - Year 2018, Vol 7, Issue 9
Abstract
Real estate finance has played a pivotal role in promoting the development of the Chinese real estate market in recent years. However, the real estate market is over-reliant on real estate finance, which makes real estate finance face greater risks. This paper uses the general methods and principles established by the financial risk early warning system to design and construct the real estate financial risk early warning system. Taking Zhejiang Province as an example, it makes an empirical analysis on real estate financial risk. The study found that the proportion of real estate investment in Zhejiang's fixed investment structure has been normal since 2011. Developers can quickly adjust the real estate development area according to current housing price trends and related policies. Although the interest rate is lower, the cost of real estate financing has been increasing in recent years as the risk of private capital investment increases and the investment yield declines, which also led to an increase in real estate financial risks. In order to reduce the risk of real estate finance, the government should maintain a low interest rate level and improve the housing affordability of residents. Meanwhile, it should expand the financing channels of the real estate industry through the establishment of real estate investment trust funds, increasing international investment and guiding the proportion of real estate investment to remain at a reasonable level.
Authors and Affiliations
Xuefeng Zhang
Keywords
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