房地产业银行金融资本过度膨胀的法律规制分析-analysis on legal regulation of excessive expansion of financial capital of real estate banks.docxVIP

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房地产业银行金融资本过度膨胀的法律规制分析-analysis on legal regulation of excessive expansion of financial capital of real estate banks.docx

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房地产业银行金融资本过度膨胀的法律规制分析-analysis on legal regulation of excessive expansion of financial capital of real estate banks

AbstractReal estate industry is one of the pillar industries in our country, and its healthy development plays an important role in the national economy development. Real estate industry is capital-intensive, and therefore to effectively solve the financing problem of the industry is the important condition to promote its healthy development. The development of real estate is inseparable from the support of financial industry, and they rely on each other and influence each other as well. With the rapid development of market economy, the degree that banking and financial institutions engaged in real estate development constantly increases, firstly banking and financial to support self-built housing, then financing to developers, and now making the residents receive a mortgage loan to buy a house. It can be said that in the current situation, the healthy development of real estate is inseparable from real estate finance, especially the support of banking and financial capital. According to statistics, among the sources of Chinas real estate industry, banking and financial capital accounted for more than 80%, and the balance of real estate loans is 7.8% of the proportion of that of commercial bank loans.However, along with the rapid expansion of Chinas real estate banking and financial capital, the price of real estate is soaring. Fund provided by banks is a determining factor of the real estate prices, and excessive expansion of banking and financial capital is the significant factor for the prices of real estate rise and then bubble formation. When the real estate bubble runs up, outwardly it’s flourishing and all participants benefit from it, but the huge price paid by this kind of high-bubble will cause great instability to macroeconomic developments. Because of the large amount of real estate transactions, when the bubble high, the land agents will make excessive expansion of loans for real estate financing, which contains huge financial risks. If real estate pric