Studies on Establishing the Early Warning Model of Commercial Bank's Real Estate Credit Risk

摘要

The subprime mortgage crisis caused the global economy still not to go out the trough until now, the early warning pattern of the commercial bank's credit risk urgently need to be renewed and enhanced. This article uses 37 listed real estate companies as the analysis samples. Utilizing the principal components analytic method to analyze the financial early warning target of the sample enterprises, it obtains the digitization model; meanwhile by the method of structure equation modeling to analyze the early warning target which can not be measured，it obtains the structure equation molded relief map. Then it unifies both and summarizes the judgment standard of the commercial bank's credit risk early warning to the real estate profession.