The Impact of Real Estate on the Credit Risk of China's Commercial Banks
DOI:
https://doi.org/10.62051/8b3bfa59Keywords:
Real estate; financial risk; risk management.Abstract
Real estate loans account for a relatively high proportion of commercial bank loans, the current stage of the real estate market is depressed, the huge real estate loans on the bank has caused a huge burden, the impact of the bank's credit, uncertain real estate policy will affect both the quality of the stock of real estate loans, but also affect the commercial banks to the real estate industry's credit investment, all of which ultimately affects the risk taking of commercial banks. Based on this, this paper first combs through the real estate central level real estate general tone policy and financing policy since 2023, and then selects the micro panel data of 16 listed banks in China from 2010-2023 to analyze the impact of the stock of real estate loans on banks' credit risk. The results show that a rise in real estate loan stock significantly increases commercial bank credit risk. The research in this paper provides a basis for the government to strengthen real estate policy regulation with comprehensive measures and block the transmission of corporate risks to the financial sector.
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