Evaluation system of commodity housing market credit risk grades

Abstract

The invention discloses an evaluation system of commodity housing market credit risk grades. An evaluation method comprises the following steps: S1, establishing a hierarchical structure model, and determining an index set and a comment set influencing commodity housing grades; S2, establishing a risk set matrix, and assigning the risk set matrix to the hierarchical structure model; S3, acquiringexpert scoring coefficients; and S4, acquiring a risk index value. The system disclosed by the invention at least has the following advantages: quantitative commodity housing risk grading standards are obtained by researching main influence factors and influence degrees of the current commodity housing credit risk grades, and scientific and systematic management of the commodity housing market isimproved.

Description

technical field [0001] The invention relates to the technical field of credit risk, in particular to a credit risk rating system for the commercial housing market. Background technique [0002] At present, domestic scholars' related research on bank credit risk management mainly focuses on the research on the relationship between real estate prices and bank credit. From a qualitative point of view, most of them use econometric methods such as cointegration test and error correction model to quantitatively explore the equilibrium state and guiding relationship between the two. Most of the research stays on how to improve the credit management model and the impact of macro policies on credit. There is a lack of research that fully discusses the risk level of commercial housing credit from a microcosmic perspective. [0003] In order to serve the government's supply-side reform, financial institutions' collateral management, and consumers' rational cognition of the market, etc...

AI Technical Summary

Problems solved by technology

The commercial housing market is a huge market system, and the larger the research scale, the more risk factors need to be considered; however, there are very few systematic studies on the credit risk evaluation of commercial residential quarters in my country

Most developers and even governments at all levels still have a lot of blindness in the management and investment operation of commercial housing. They lack a deep understanding of the risks in the development, sales and management of commercial housing, resulting in a large number of investment mistakes.

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