房价波动下银行容忍度分析及提升路径分析

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1、THEANALYSISOFBANKS'TOLERABILITYANDRESEARCHINGOFPROMOTIONPATHUNDERTHEFLUCTUATIONSOFHOUSINGPRICEABSTRACTThissubjectissupportedbytheNaturalScienceFoundationforUniversityYoungScholarsfromHebeiprovince(No.2011111).TheRealEstateIndustryplaysanimportantroleinacc

2、eleratingthedevelopmentofournationaleconomy.However,thehousingpricehasincreasedverylargemultiplessince199&alongwiththerapiddevelopmentoftheRealEstateIndustry.Thereisabigbubbleinthehousingprice.Theruptureofthebubblewillbringgreatinfluencewhichisincalculabl

3、etoChineseeconomy.ThereforethegovernmentisveryworriedabouttheriskinRealEstate.ThecommercialbanksarealmostinvolvedintheentireprocessoftheexploitationofrealestateinthecapitalchainofRealEstateIndustry.Oncetherisksoccurinrealestate.Theriskswillfocusincommerci

4、albanks.Sotherisksareverylikelytoturnintofinancialriskswhichwillaffectthewholenationaleconomyinturn.Soreasonablehousingpriceisveryimportantinimprovingthesatisfactionofvariousgroups.Also,thegovernment^effortsinstrengtheningtheregulationofhousingpricetomake

5、itreturntoareasonablelevelareverybeneficialtosocialharmony.BanksisanimportantpartofthecapitalchaininRealEstateIndustry.Sotheimprovingofbanks'tolerabilityinhousingpricehasbothpracticalandtheoreticalsignificancetoournationaleconomy.Thispaperismainlytoclarif

6、ythefactorsinthehousingpricefluctuations,ifthereapossibilityofdeclininginhousingprice,andtheconnotationofbanks'tolerability-Alsothispaperdiscusseshowtoimprovebanks'tolerabilityinthefluctuationsofhousingprice.Mortgageisthekeypointwhichconnectshousingprice

7、fluctuationsandbankstolerability.Firstly,thispaperdescribesthetypesofmortgagerisksinrealestate,themanagementstatus,andhowtopreventtherisksinthefuture.Basedonthesetheories,thispaperdiscussesthehousingpricefluctuationsandtheirimpactmoredeeply.We'llusebothqu

8、antitativeandqualitativeanalysis.WeusetheSPSSsoftwareandfindoutthatthemainfactorsthataffectthehousingpricefluctuationsareasfollows:constructioncost,housingsupply,urbanpopulationanddisposableincome.Andwemakeananalysi