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Analysis and Countermeasures Research on Individual Housing Consumer Credit Market in Hunan Province

Author: TangLe
Tutor: YinShiJie
School: Hunan Normal University
Course: Industrial Economics
Keywords: Individual housing consumer credit Developing Problems and Countermeasures Hunan Province,
CLC: F832.4
Type: Master's thesis
Year: 2010
Downloads: 212
Quote: 0
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Abstract

With the deepening of China's housing reform, mainly in residential real estate has become one of the leading industry of the national economy. Therefore, to speed up housing construction, start residential consumer, to become a new consumption hot spots and a new economic growth point. Individual housing consumer credit provided by banks and other financial institutions to meet the needs of the residents to purchase housing loan services, it is the socio-economic development and the inevitable choice for the development of banking and financial. The development of individual housing consumer credit can effectively increase the housing consumer demand, the increase in housing demand will inevitably bring about the development of the real estate industry. The development of individual housing consumer credit has an important significance in promoting the growth in consumer demand and promote economic development. This paper first reviews the theory of consumer credit, housing consumer credit status quo of Hunan Province, pointed out that the housing consumer credit is divided into individual housing provident fund loans, commercial individual housing loans, personal housing loan portfolio, individual commercial buildings loans and second-hand housing loan five individual housing consumer credit and retail, business, policy, long-term and risk and regional characteristics. In recent years, With Hunan sustained, rapid economic growth, individual housing consumer credit also gradually increase, and has great development space, mainly because of the development of the housing industry is strong support points of economic growth in Hunan and the Hunan city housing demand potential, the reality of the situation of the residents' housing conditions for the housing consumer credit business in Hunan Province has provided a broad space for development. Huge space for development, but the development of the current of Hunan Province personal housing consumer credit is also subject to a number of factors and constraints. Mainly in the following three aspects: 1, individual housing consumer credit funds supply constraints, such as narrow channels of financing, poor loans; 2, the lack of effective demand for individual housing consumer credit, mainly due to weak household economic affordability and residential secondary market imperfections caused; 3, individual housing consumer credit business risks, including interest rate risk, liquidity risk and credit risk. To solve the above problem, this paper respectively from the supply and demand sides of the market conditions and individual housing consumer credit cause analysis, and reference to the United States, Singapore and Germany, the success of the housing consumer credit mode that want to establish a good personal housing consumer credit environment, we must based on market mechanisms, establish and improve the housing finance system, at the same time also needs to strengthen the government's support, and actively develop the housing mortgage loans to the secondary market. This paper argues that, perfect Hunan individual housing consumer credit market, and to strengthen the monitoring and guidance of the market environment, financial institutions and individual consumers should also take active countermeasures. Should standardize and improve the development of the real estate market, strengthen government oversight, improve the personal credit system, further improve and perfect the secondary housing market, investment and construction of the addition to the increase affordable housing to ease the contradiction between supply and demand in the market from the market environment, ; financial institutions, should accelerate the development of housing mortgage loan securitization to improve the service quality of financial institutions, the implementation of differentiated credit policy, reasonable guide housing consumption; consumers, they have to change consumer attitudes, the formation of a healthy, reasonable housing consumption psychological enhance their financial capacity and credit awareness, and actively promote the healthy and stable development of individual housing consumer credit market in Hunan Province.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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