Analysis of Preventive Pathways for Real Estate Financial Risks in China

Fu-Jun Yan （ Guangfeng District Housing Construction and Security Center, Shangrao city, Jiangxi province, 334600, China ）

Abstract

Preventing real estate financial risks in China is a core measure for maintaining the stability of the financial system and the healthy development of the real economy. This paper, based on the deep interconnection between the domestic real estate sector and financial markets, aims to comprehensively identify four core risk types in the real estate industry—market, credit, liquidity, and operational risks—as well as their transmission and cyclical characteristics. A quantitative evaluation system covering market, financial, and enterprise dimensions is constructed to support dynamic monitoring and early-warning mechanisms. The study further explores practical challenges such as the interaction between real estate policies and market behavior, financial institutions' risk management capabilities, cross-department regulatory coordination, and technological support. By analyzing the main risk prevention pathways, this research provides a practical reference for establishing a long-term preventive framework for real estate financial risks, facilitating the healthy operation of both the real estate sector and financial markets.

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