Abstract
Real estate is one of the important pillar industries for social development, especially for populous countries. Over the past many years, the impact of credit policy changes on real estate has attracted the attention of many scholars. For more than three years, the COVID-19 has seriously affected the development of China's economy. The adjustment of bank interest rates and the adjustment of deposit reserves will have an impact on economic development, especially on the development of the real estate industry. It is necessary to further study and analyze the factors affecting real estate and credit, and analyze the actual problems in society to put forward optimization suggestions for relevant policies. This article analyzes the main problems in the real estate industry and credit from a public perspective, combined with existing publicly available data. It suggests further to optimize housing loan policies, and encourage young people to purchase houses with their own property rights, and support middle-aged people to improve housing conditions; It need further to introduce elderly care policies to enhance the consumption capacity of middle-aged and elderly people; It need further to optimize the industrial structure to promote employment for young people and increasing wage income to provide conditions for multiple births, in order to improve the population structure and slow down the impact of aging on economic development.
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