摘要
房地产是当今中国经济的支柱产业,而房地产发展的资金绝大部分由银行贷款获得,因此房价的变动会使银行的贷款业务面临风险。本文首先分析了现阶段房贷与房价之间的关系,接着讨论了人口因素对房价的影响,分析了房价的走势;最后计算了在不同的贷款方式下,商业银行应对房价下调时的贷款风险临界值,给出了商业银行防范房价变动的应对策略。
Real estate is the pillar industry of China＇s economy,and the funds of real estate development most come from bank loan.The rise of house prices will make banks face the risk of capital.This paper firstly analyzes the relationship between mortgage and house price.And discusses demographic factors influencing on housing price,and gives the analysis of the price trend.At last,calculates in different proportion of down payment and repayment interest rate of commercial banks to lower prices,the loan risk threshold,and gives the commercial bank guard against price reduction strategy.
出处
《特区经济》
2012年第6期60-62,共3页
Special Zone Economy
关键词
房地产
房价收入比
风险临界值
抵押贷款
Real estate
Housing price to income ratio
Critical value of risk
Mortgage
