Proceedings of the 2014 International Conference on Management Science and Management Innovation

A Risk Management Analysis of Real Estate Loan Market in China

Authors
Mao-Hai Huang, Liu-Qing Yang
Corresponding Author
Mao-Hai Huang
Available Online June 2014.
DOI
https://doi.org/10.2991/msmi-14.2014.70How to use a DOI?
Keywords
Real estate loan, Credit risk, Credit risk management.
Abstract
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.

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Proceedings
2014 International Conference on Management Science and Management Innovation (MSMI 2014)
Part of series
Advances in Economics, Business and Management Research
Publication Date
June 2014
ISBN
978-94-6252-015-8
ISSN
2352-5428
DOI
https://doi.org/10.2991/msmi-14.2014.70How to use a DOI?
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  -