A Risk Management Analysis of Real Estate Loan Market in China
Mao-Hai Huang, Liu-Qing Yang
Available Online June 2014.
- https://doi.org/10.2991/msmi-14.2014.70How to use a DOI?
- Real estate loan, Credit risk, Credit risk management.
- Since 2007 Chinese real estate market has been booming with soaring housing prices and overwhelming demands for real estate loans from developers. Chinese real estate loan market expands rapidly to meet the demands, which results in an increasing burden on commercial banks to manage real estate loan credit risk. This article looks into real estate loan market in China to present the aspects of real estate market growth, commercial banks’ role in real estate loan market, and PBOC interest rate analysis. With government policy regulating the mortgage loans as guidelines, the article will analyze the risks inherent in the real estate loan market as well as the causes of such risks, and go on to propose possible policy changes for the government and commercial banks to mitigate them.
- Open Access
- This is an open access article distributed under the CC BY-NC license.
Cite this article
TY - CONF AU - Mao-Hai Huang AU - Liu-Qing Yang PY - 2014/06 DA - 2014/06 TI - A Risk Management Analysis of Real Estate Loan Market in China BT - 2014 International Conference on Management Science and Management Innovation (MSMI 2014) PB - Atlantis Press SP - 385 EP - 392 SN - 2352-5428 UR - https://doi.org/10.2991/msmi-14.2014.70 DO - https://doi.org/10.2991/msmi-14.2014.70 ID - Huang2014/06 ER -