房地产周期性波动与商业银行抵押贷款风险山控制分析.docxVIP

房 地 房 地 产 周 期 性 波 动 与商业 银 行 抵 押 贷 款 风 险 控 制 f口l究 A b stra c t S in e e th a t re a l e sta te ， w h ie h c a n b r in g h u g e P ro f its to b a n k s ， h a s s o m e e h a r a e te r is tie s lik e la rg e a m o u n t o f a s s e ts ，th e a b ility o f m a in ta in in g v a lu e ， a n d th e elear P roP erty righ ts m eeh an ism ，it h as alread y b een b eeom e th e m o st P o w erful e o lla te ra l to o l to th e lo a n o f e o m m e re ia l b a n k s . O n th e b a e k g ro u n d o f th e ra p id g r o w th o f r e a l e s ta te in v e s tm e n t a n d th e f lo 丽 sh o f re a l e s ta te in d u s tr y in C h in a ， e o m m e re ia l b a n k s h a v e in P u t a la rg e n u m b e r o f e a P ita l in th e b u s sin e s s s e o P e o f re a l e s ta te .H o w e v e r ， b e e a u s e o f th e s in g le f in a n e in g e h a nn e ls ， e o m m e r e ia l b a n k s a re b e e o m in g th e m a in b e a r e r o f f in a n c ia l r isk s o f re a l e sta te . T h e r isk e o n t in u e s to a e e u m u la te in th e P e ri o d o f e e o n o m ie e x P a n s io n ， it w ill b e e x t re m e ly d a n g e r o u s o n e e th e e e o n o m ie r e e e s s io n h a p P e n s ，a n d th e r is k w ill r a p id ly sP r e a d to th e e n tire f in a n e ia l s y s te m a n d w ill in f lu e n e e th e s ta b ility a n d d e v e lo P m e n t o f th e n a tio n a l e e o n o m y . T h e r e f o r e ，it 15 P o s itiv e to d is e u s s th e re a l e s ta te m o r tg a g e lo a n s o f th e b a n k in g r is k e o n tro l in th e e y e lie a l f lu c t u a tio n s . O n th e b a s is o f re s e a r e h re su lts o n th e d o m e stie a n d a b r o a d re a l e s ta te m o r tg a g e lo a n s ，th is a rt ie le e la b o r a te s th e th e o r y o f r e a l e s ta te e y e lie a l f lu e tu a tio