我国房地产信贷风险影响因素分析及防范措施研究

发布时间：2018-01-05 14:08

本文关键词：我国房地产信贷风险影响因素分析及防范措施研究　出处：《复旦大学》2012年硕士论文　论文类型：学位论文

【摘要】：近年来,随着经济的不断发展,我国人均收入水平有了显著提高,居民对住房质量的需求也随之攀升,从而大大促进了我国房地产业消费市场的迅速发展,房地产信贷在商业银行信贷业务中的比重也随之增加。但是,伴随而来的是不可避免的房地产信贷风险,制约着房地产的进一步发展。因此对房地产信贷风险的研究具有十分重大的理论与现实意义。在不景气全球经济环境下,房地产企业资金链断裂的现象比较严重,这一因素进一步引发全球市场的剧烈释放与共振。通过对过往金融危机的研究发现,不管是在西方国家还是我国国内市场,房地产行业的任何风吹草动都会引发金融市场的剧烈震动,推进和激化金融市场的风险,从而通过链条效应影响其他产业的健康发展。尤其是在国内目前的经济体系中,房地产行业产值占据着政府GDP的较大比重,房地产行业的行情走势对其他相关产业的影响也非常明显。本文针对国内房地产企业的信贷风险,首先介绍了相关课题的研究现状,通过对大量文献阅读和相关课题前沿研究成果阐述,对该课题的研究进程作了概述。其次,对房地产企业信贷风险相关理论进行了阐述和分析,如信贷风险的概念、特征和类型,信用风险,流动性风险和其他相关风险。针对信贷风险的评估,研究探讨了相关的风险评估理论,如：金融危机与风险理论,博弈论和期权理论。在相关理论阐述的基础上,结合江苏省房地产信贷风险的现状进行深入分析,根据实际数据探讨江苏省房地产信贷风险的影响因素和存在问题,并提出了一些具有实践意义的应对措施,为我国房地产业健康、稳续的发展提供了一些建议。
[Abstract]:In recent years, with the continuous development of the economy, the level of per capita income in China has been significantly improved, and the demand for housing quality has also climbed, which has greatly promoted the rapid development of the real estate consumer market in China. The proportion of real estate credit in the commercial bank credit business is also increasing. However, the inevitable real estate credit risk comes with it. Restricting the further development of real estate. Therefore, the study of real estate credit risk has a very important theoretical and practical significance. In the depressed global economic environment. The phenomenon of capital chain breakage in real estate enterprises is more serious, this factor further triggered the global market release and resonance. Through the past financial crisis research found. No matter in the western countries or our domestic market, the real estate industry will trigger a sharp shock of the financial market, promote and intensify the risks of the financial market. Therefore, the chain effect affects the healthy development of other industries, especially in the current domestic economic system, the real estate industry output value occupies a large proportion of government GDP. The market trend of the real estate industry to other related industries are also very obvious. Aiming at the credit risk of domestic real estate enterprises, this paper first introduces the research status of related topics, through a large number of literature reading and related research results. The research process of this topic is summarized. Secondly, the related theories of credit risk of real estate enterprises are expounded and analyzed, such as the concept, characteristics and types of credit risk, credit risk. Liquidity risk and other related risks. In view of the credit risk assessment, the relevant risk assessment theory, such as financial crisis and risk theory, is studied. Game theory and option theory. On the basis of relevant theories, combined with the current situation of real estate credit risk in Jiangsu Province, in-depth analysis. Based on the actual data, this paper probes into the influencing factors and existing problems of the real estate credit risk in Jiangsu Province, and puts forward some practical countermeasures, which provide some suggestions for the healthy and steady development of the real estate industry in our country.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.45;F299.23

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