2012•Advanced materials researchRequires access

Real Estate Economic Fluctuation and the Effect on Credit Risk Based on State Housing Boom Index

Wang Deq

Abstract

This paper analyzes real estate economic fluctuation in China since 1998 on the basis of state housing book index,it is indicated that current real estate economic is in the shrink stage of this fluctuation.This can cause concentration of default risk and liquidation risk of real estate loans,affect financial stability involving the macro-economy.So suggests to reconsider and adjust the existing technical guidelines of collateral value appraisal,to grasp the rhythm of regulate and control,and to regulate the behavior of local government.

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Key concepts: Boom, Real estate, Collateral, Index (typography), Government (linguistics), GRASP, Capitalization rate, Economics