scholarly journals Central bank’s supervision on commercial banks’ credit business an exploratory post-epidemic-based research

2021 ◽  
Vol 235 ◽  
pp. 03064
Author(s):  
Tingen Li ◽  
Huan Fang ◽  
Yanting Zhang
Keyword(s):  
Monetary Policy ◽  
Real Estate ◽  
Central Bank ◽  
Commercial Banks ◽  
Real Estate Market ◽  
Real Economy ◽  
The Real ◽  
Bank Of China ◽  
The Real Estate ◽  
Reference Index

The epidemic of COVID-19 broke out, domestic economy suffered a heavy setback, the Central Bank of China launched a series of policies against this backdrop, aiming to stimulate the economy. However, some investors speculate from the loose loans in real estate, which makes the funds policy originally used for stimulating the real economy to be artificially drained into the real estate market, further resulting in the imbalance of social supply. To solve this problem, from the perspective of the central bank and with the use of literature research and other methods, this paper makes research on analyzes the central bank’s credit supervision on commercial banks. Study shows that information collection and monetary policy are the problems with central bank. Through big data technology and monetary policy into the new reference index two angles to try to solve the problem. It aims to effectively strengthen the efficiency and level of central bank’s supervision. Meanwhile it can provide corresponding theories and references for subsequent research. The limitation of this study is that there is no specific application supporting the analysis. Otherwise the paper would be more applicable in practice. Therefore, this problem needs to be further studied and solved.

scholarly journals The Application of Time-Delay-DependentH∞Control in the Transmission Effect of Monetary Policy on Real Estate Market

2014 ◽  
Vol 2014 ◽  
pp. 1-6
Author(s):  
Haifeng Guo ◽  
Yu Qian ◽  
Bo Wang ◽  
Yi Qiu
Keyword(s):  
Monetary Policy ◽  
Time Delay ◽  
Real Estate ◽  
Real Estate Market ◽  
The Real ◽  
The Real Estate ◽  
Transmission Effect ◽  
The Real Estate Market ◽  
Effect Of Monetary Policy ◽  
Delay Dependent

This paper uses a time-delay-dependentH∞control model to analyze the transmission effect of monetary policy on the real estate market. We establish a theoretical framework between monetary policy and real estate market based on the three channels, that is, interest rate channel, monetary supply channel, and credit channel. Then we construct a basic model usingH∞control method. By analyzing the effect of the time-delay characteristics of monetary policy on the real estate market, we introduce time variables and propose a time-delay-dependentH∞control model. We test the robustness of the model using the Chinese data of the monetary policy and the real estate market and prove that this model can be well employed in the reality.

scholarly journals Trend Analysis as a Useful Tool for Monetary Policy in the Real Estate Market

2019 ◽  
Vol 13 (34) ◽  
pp. 61
Author(s):  
Matěj Gryč ◽  
Tomáš Poláček ◽  
Mirko Dohnal ◽  
Jiří Oulehla
Keyword(s):  
Monetary Policy ◽  
Real Estate ◽  
Trend Analysis ◽  
Real Estate Market ◽  
The Real ◽  
The Real Estate ◽  
The Real Estate Market

scholarly journals Real Estate Soars and Financial Crises: Recent Stories

2018 ◽  
Vol 10 (12) ◽  
pp. 4559 ◽  
Author(s):  
Hanwool Jang ◽  
Yena Song ◽  
Sungbin Sohn ◽  
Kwangwon Ahn
Keyword(s):  
Financial Crisis ◽  
Real Estate ◽  
Stock Market ◽  
Global Financial Crisis ◽  
Real Estate Market ◽  
Real Economy ◽  
The Real ◽  
The Real Estate ◽  
Real Estate Bubble ◽  
The Global Financial Crisis

This paper studies the contribution of real estate bubble to a financial crisis. First, we document symptoms of a real estate bubble along with a slowdown of the real economy and find indicators of an imminent crash of the stock market, triggering a sense of déjà vu from the 2008 crisis. However, we show that the relationship between real estate and financial markets has changed since the crisis. The empirical analyses provide evidence that the monetary policy has recovered its control over mortgage rates, which had been lost prior to the global financial crisis, and that the real estate market does not have a Granger causality relationship with the stock market any more. Findings suggest that an imminent financial market crash is not likely to be catalyzed by a real estate bubble.

The transnational comparative study on the potential risks and efficiency of commercial banks based on the weight-limited DEA model

2018 ◽  
Vol 8 (4) ◽  
pp. 441-452 ◽  
Author(s):  
Hao Wang ◽  
Yu Wang ◽  
Shuang Zhao ◽  
Lan-ping Wang ◽  
Hui An
Keyword(s):  
Real Estate ◽  
Financial Market ◽  
Commercial Banks ◽  
Real Estate Market ◽  
Real Economy ◽  
Bank Efficiency ◽  
Content Type ◽  
The Real Estate ◽  
Asset Portfolio ◽  
Potential Risks

Purpose The purpose of this paper is to calculate the bank efficiency of removing potential risks that are hidden from the extreme portfolio of bank’s assets and further compare the differences and causes of bank’s efficiency and potential risk level between China’s representative banks and OECD representative banks in 2011-2015. Design/methodology/approach Based on the weight-limited DEA model, this paper calculates the bank’s efficiency and further compares the differences between China’s representative banks and OECD representative banks by using commercial banks’ transnational data. Findings By analyzing US representative banks’ data, the authors find that the excessive expansion of the scale of banks’ investment for the non-real economy shrinks after the bubble burst and would not improve the efficiency of banks immediately. The OECD representative banks rather prefer to extreme asset portfolio so that the potential risks gradually increase, while there is a diminishing effect on investments in non-real economies to improve bank efficiency. On the other hand, China’s representative banks have the signs of reducing investment in the real estate market, but the existence of the bubble in the market led to a lagged effect on the impact of adjustment of bank asset portfolio on efficiency. Research limitations/implications This paper has practical significance for commercial banks to improve efficiency and reduce credit risks. This is conducive to the implementation of targeted supervision by the banking supervision department. Practical implications Based on the lesson that the financial crisis created by the real estate bubble burst in the USA in 2008 and the financial market active guidance of the developed economies, faced with the reality of Chinese real estate market bubble rising and the continuous improvement of Chinese financial market, this paper compares the differences between representative banks in China and OECD, and explores the causes by using the cross-country data of commercial banks. Originality/value By adjusting the weight of the input variables in the efficiency measurement, quantifying the risk is often overlooked by the changes in bank efficiency. This potential risk is caused by the bank’s investment preferences in the non-real economy represented by real estate and tradable financial assets.

scholarly journals Trend Analysis as a Useful Tool for Monetary Policy in the Real Estate Market

2019 ◽  
Vol 13 (34) ◽  
pp. 47
Author(s):  
Matěj Gryč ◽  
Tomáš Poláček ◽  
Mirko Dohnal ◽  
Jiří Oulehla
Keyword(s):  
Monetary Policy ◽  
Real Estate ◽  
Trend Analysis ◽  
Real Estate Market ◽  
The Real ◽  
The Real Estate ◽  
The Real Estate Market

Global Financial Crisis and Its Impact on Russia

2009 ◽  
pp. 9-27 ◽  
Author(s):  
A. Kudrin
Keyword(s):  
Monetary Policy ◽  
Fiscal Policy ◽  
Financial Crisis ◽  
Central Bank ◽  
Global Financial Crisis ◽  
Developed Countries ◽  
Real Economy ◽  
Energy Prices ◽  
Russian Government ◽  
The Real

The article examines the causes of origin and manifestation of the current global financial crisis and the policies adopted in developed countries in 2007—2008 to deal with it. It considers the effects of the financial crisis on Russia’s economy and monetary policy of the Central Bank in the current conditions as well as the main guidelines for the fiscal policy under different energy prices. The measures for fighting the crisis that the Russian government and the Central Bank use to support the real economy are described.

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