2012年2月18日星期六

Yesterday once more?

As we all know that the Japanese housing bubbles led to a serious financial crisis in the Japan in last centre. It not only weaken the financial position of Japan (was the second highest GDP country in the world), but also led to GDP growth of Japan stay in 0% for more than 10 years (more information please read Historyof Japan's housing bubble). Many experts point out this the Chinese housing bubble problem is highly similar as the previous one in Japan. And they also worry about that China will get into the same trouble as Japan. So will history repeat itself?

Firstly, we can clearly see that the outside economic environment of both this period China and last centre of Japan is very similar. As both countries all have the loose monetary policy and prudent fiscal policy. Those two countries all have high savings followed with low rate pf consumption. Furthermore, the economic performances (as severe real estate bubble, the economy is too rely on exportation, upward pressure of currency, and so on) in china, are almost the same as the situation in Japan in 1980s when the bubble was not burst.

However, I still believe China won't repeat the same trend as Japan. This is because the financial system in China is obviously different as it in USA, Japan or even Hong Kong. Under Chinese financial system, the central bank has more controlling force to control the real estate loan, which is helpful to against the moral hazard and domino effects. Moreover, the Chinese government has effective measures to guide and regulate both banks and real estate agencies and this will significantly help Chinese real estate market back to the healthy development track. Finally, the market breadth and population structure of both countries are different. The urbanization level of Japan in 1985 is 76.7%, and it in China just around 45% in 2008 (data is from National Bureau of Statistics of China). This is means Chinese real estate industry still has large development space and growth potential which will give the real estate industry a strong support.


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