基于MA模型房地产金融的风险性研究:以西安为例

Based on MA Model Empirical Study on Real Estate Financial Risk of Xi’an City

房地产金融风险特指金融机构为房地产业在投资资金的筹集、融通、清算等金融服务中,由于不确定因素而导致的金融风险。本文主要从购房者、房地产开发企业和金融机构三方面对当前房地产市场的风险状况进行分析,并通过MA模型估算出西安市房地产市场的投机程度,进而提出防范房地产金融风险的建议。

The real estate financial risk is the possibility of losses incurred by the failure of commercial banks, when financial institutions provide financial services to real estate companies, such as lending, financing and settlement. The paper not only studies the risk of real estate market from the purchasers, the real estate development companies and financial institution, but also forecasts the Speculation degree of xi＇an city real estate market by MA model nowadays, and puts some suggestions how prevents the real estate financial risk.