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普洱翻譯公司關鍵字：2, the tightening of credit intended to reduce financial risk
In addition to macro-control policies with the implementation of monetary policy tightening, the tight monetary policy is another important property is that to prevent financial risks. According to the central bank released the "China real estate development and financial support" (Central Research Council, 2004) and "2004 China Real Estate Financial Report" (Bank of the real estate financial analysis group, 2005) of the two studies, the current housing real estate finance in the following areas of significant risk:First, land acquisition and real estate development funds over-reliance on bank credit, more than 60% of development funds is directly or indirectly from the banking system, real estate investment英文論文翻譯費用多少錢 credit risk and market畢業論文翻譯成英語文章 risk concentration in commercial banks. On the one hand, lower financing costs and credit access are likely to cause business to leverage the use of bank credit for high-debt, which increase their論文摘要翻譯英文 financial risk while also increasing the risk of default of the loan business; other hand, some areas due to overheating of the market畢業論文翻譯成英語文章 And there is a higher investment英文論文翻譯費用多少錢 risk, once the bubble burst real estate prices, real estate as collateral will be greatlydevalued.Second, the financial system is not perfect, non-standard operations of financial institutions, management is not strict, lack of cooperation between financial institutions, especially the low level of information sharing. This outstanding performance in: loan review is not strict, the collateral is not standardized, the use of "fake mortgage" Piandai and so on. And real estate market畢業論文翻譯成英語文章 is in sharp contrast to the monopoly of China's financial industry and backward, the lack of consistent management and the market畢業論文翻譯成英語文章 economy mechanism, monitoring mechanism and incentive mechanism, resulting in the banking system there are many loopholes in management, which is led in recent years financial institutions in the real estate business, frequent root cause of major cases.
Third, the land reserve system is imperfect, coupled with banking supervision in place, the lack of effective security measures and other issues, government land reserve center to release the land bank loans are also facing greater market畢業論文翻譯成英語文章 risk and credit risk.
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