趋紧房地产政策下我国商业银行房地产信贷风险研究

发布时间：2018-04-28 21:31

本文选题：房地产调控 + 商业银行　；参考：《东北师范大学》2012年硕士论文

【摘要】：房地产业是典型的资金密集型行业，但由于我国现阶段房地产金融市场体系尚不完善，房地产金融市场依然延续着商业银行信贷主导的格局。房地产金融市场过分依赖商业银行贷款资金供给和银行信贷资金占房地产企业资金来源比例较高，加大了商业银行系统风险，导致房地产市场受信贷政策变动影响巨大。2010年以来，为抑制房价过快上涨，政府出台了密集且严厉的紧缩性调控政策，希望通过一段时间的调整来充分释放房地产价格上涨过快及信贷投放过大带来的各种市场风险。然而，对于商业银行来说，，房地产信贷扩张已经积累了较大风险，一旦房地产价格出现大幅回落，各种隐藏的房地产信贷风险将逐渐暴露，威胁商业银行资产质量。因此，在当前紧缩性房地产调控政策下，对商业银行房地产信贷风险进行研究，提前做好防范和控制风险的准备，具有重要的理论和现实意义。本文共分六章：第一章介绍了选题的背景和意义，总结和回顾了国内外学者关于房地产信贷风险的研究成果及现状，并通过分析找到本文切入点。第二章分析了房地产信贷风险相关理论，主要有房地产泡沫理论、信息不对称理论和金融脆弱性理论，作为全文的理论基石。第三章对我国房地产信贷发展阶段进行了划分，并对我国房地产信贷业务现状进行了深入研究。第四章主要研究了现阶段我国商业银行房地产信贷面临的主要风险。第五章是在上述几个章节分析的基础上，建立VAR模型，从实证角度分析房地产信贷风险的影响因素及作用大小。第六章提出了防范我国商业银行房地产信贷风险的政策建议，希望为商业银行充分认识现有房地产信贷风险和防范、化解房地产信贷风险提供有益警示。
[Abstract]:The real estate industry is a typical capital-intensive industry, but because the real estate financial market system of our country is not perfect at present, the real estate financial market still continues the pattern of commercial bank credit leading. The excessive dependence of the real estate financial market on the supply of loan funds from commercial banks and the high proportion of bank credit funds in the capital sources of real estate enterprises have increased the risks in the commercial banking system. The real estate market has been heavily affected by changes in credit policy. Since 2010, the government has introduced intensive and strict tightening policies to curb the excessive rise in house prices. Through a period of adjustment to fully release the real estate prices rise too fast and credit too large to bring about a variety of market risks. However, for commercial banks, real estate credit expansion has accumulated a large risk, once the real estate prices have dropped sharply, all kinds of hidden real estate credit risk will be exposed gradually, threatening the asset quality of commercial banks. Therefore, it is of great theoretical and practical significance to study the real estate credit risk of commercial banks under the current contractionary real estate regulation and control policy, and to prepare for the prevention and control of the risk in advance. This paper is divided into six chapters: the first chapter introduces the background and significance of the topic, summarizes and reviews the domestic and foreign scholars on real estate credit risk research results and current situation, and through analysis to find the breakthrough point of this article. The second chapter analyzes the theory of real estate credit risk, including the theory of real estate bubble, the theory of information asymmetry and the theory of financial vulnerability. The third chapter divides the development stage of real estate credit in our country, and deeply studies the present situation of real estate credit business in our country. The fourth chapter mainly studies the main risks of real estate credit of commercial banks in China. The fifth chapter is based on the analysis of the above chapters, establish VAR model, from the perspective of empirical analysis of the impact of real estate credit risk and the size of the role. The sixth chapter puts forward the policy suggestions to guard against the real estate credit risk of commercial banks in China, hoping to provide a useful warning for commercial banks to fully understand and guard against the existing real estate credit risks and to resolve the real estate credit risks.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F293.3;F832.4

【引证文献】