我国房地产金融风险及防范对策研究

发布时间：2018-04-18 15:05

本文选题：房地产金融 + 金融房地产化　；参考：《河北大学》2012年硕士论文

【摘要】：自1998年我国住房体制改革，推行商品化住宅房后，我国的房地产业进入了10余年的高速发展阶段。如今，房地产业已成为我国经济的支柱性产业，它产业链长，关联产业多，近些年房地产开发投资年增长率一直保持在20%以上，为我国经济的持续高速增长做出了很高的贡献。但我国的房地产金融发展比较晚，发展程度也比较低，，存在着诸多问题：整个房地产开发和销售的各个环节都过多的依赖于商业银行的贷款；商业银行的经营管理、风险管理不科学；政府的宏观调控政策不及时等。这些都给我国的房地产金融带来了巨大的潜在风险，鉴于亚洲金融危机以及美国次贷危机的巨大的破坏力，我们要对这些潜在的金融风险给予足够的重视。那么，我国现阶段的房地产金融风险与外国的风险有何不同之处，对于这些房地产金融风险到底该采取什么样的对策呢？本文便是在上述背景下试图解决这两个问题。本文首先从房地产、房地产金融、房地产金融风险等基本概念入手，通过我国金融业对房地产业依赖程度的指标体系和数据分析，揭示我国金融房地产化的变动轨迹，然后通过借鉴美国和日本两个国家对房地产金融风险以及由房地产引发的金融危机的评价研究和防范的具体分析，并重点研究我国房地产金融风险的形成及特点，最后在分析风险成因的基础上，着重从建立健全法律法规环境；加强商业银行自身的经营和风险管理；监管部门加强金融监管力度；政府加强对房地产宏观调控的力度等方面提出适合我国房地产金融风险防范和控制的方法和对策。
[Abstract]:Since the reform of housing system in China in 1998 and the implementation of commercialized housing, the real estate industry in China has entered a period of rapid development for more than 10 years.Nowadays, the real estate industry has become the pillar industry of our country's economy, its industry chain is long, the related industry is many, the annual growth rate of the real estate development investment has been kept above 20% in recent years, which has made the very high contribution to the sustained and high speed growth of our country's economy.However, the development of real estate finance in our country is relatively late, and the degree of development is relatively low. There are many problems: the whole real estate development and sales are too much dependent on the loans of commercial banks, and the management of commercial banks,The risk management is not scientific; the government's macro-control policy is not in time.All these bring huge potential risks to the real estate finance of our country. In view of the great destructive power of the Asian financial crisis and the American subprime mortgage crisis, we should pay enough attention to these potential financial risks.So, what is the difference between the financial risk of real estate in our country and that of foreign countries, and what kind of countermeasures should be taken to deal with the financial risk of real estate?This paper tries to solve these two problems under the above background.This paper starts with the basic concepts of real estate, real estate finance, real estate financial risk and so on, through the index system and data analysis of the degree of dependence of our financial industry on real estate, it reveals the changing track of financial real estate in our country.Then, by referring to the evaluation and analysis of the real estate financial risk and the financial crisis caused by the real estate in the United States and Japan, the paper focuses on the formation and characteristics of the real estate financial risk in our country.Finally, on the basis of analyzing the causes of risk, the author puts emphasis on establishing and perfecting the environment of laws and regulations; strengthening the management and risk management of commercial banks;The government should strengthen the macro-control of real estate and put forward the methods and countermeasures suitable for the prevention and control of real estate financial risks in our country.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F293.3;F832.3

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