中国房地产金融发展及风险防范研究

发布时间：2017-12-30 20:35

本文关键词：中国房地产金融发展及风险防范研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国的房地产行业经过几十年的发展,逐渐成为国民经济的支柱产业,而且房地产行业对其上下游产业的影响极大,可以说是牵一发而动全身,关系到整个国民经济的方方面面。房地产金融作为房地产行业的最重要支持,对房地产行业和金融行业本身的发展都有着重要的意义。近两年,国际形势复杂多变,世界范围内的经济增速放缓,中国的经济也面临着下行的压力,中国的房地产业首当其冲受到考验。房价在经过持续快速的上涨以后开始面临下行的风险,房地产库存高企,去库存压力大,房地产企业融资困难,未找到新的资金来源,投资动力下降,房地产金融风险开始显现。本文具体研究中国房地产市场的发展、房地产金融的产生和探索,分析房地产金融风险的成因、具体表现和影响程度,结合中国的房地产发展实际情况,提出完善房地产金融体系的政策制定思路,以及防范房地产金融风险的具体对策,为政策制定者和行业管理者提供有效的参考建议。本文通过分析中国房地产行业在不同时期的发展情况,对比分析房地产市场的现状。房地产金融在中国经历了起步、探索和实践、发展和创新几个阶段以后,开始进入一个相对平稳健康发展的现状,房地产金融市场的多元化融资新格局正在形成。本文对房地产市场风险和中国房地产金融风险分别进行了分析,房地产市场存在制度、结构、房价泡沫几方面的问题。中国的房地产金融风险有错综复杂的成因:房地产金融融资工具较少,融资渠道相对单一;政府对房地产和房地产金融的宏观调控和行政干预过多;社会征信体系的建立相对比较滞后;房地产金融法律法规不完备;住房公积金的管理存在风险;房地产金融市场缺乏预警监测体系。就上述分析的房地产金融风险产生的成因,本文有针对性的提出了几点房地产金融风险防范对策和建议,希望能言之有物,言之有理。
[Abstract]:Chinese of the real estate industry after decades of development, has gradually become a pillar industry of the national economy, and the impact of the real estate industry on the upstream and downstream industry greatly, can be said to affect the situation as a whole, related to every aspect of the whole national economy. The real estate as the most important financial support of the real estate industry, all there is an important significance to the development of real estate industry and the financial industry itself. In recent years, the international situation is complicated, the economic slowdown in the world, Chinese the economy is facing downward pressure, the real estate industry China brunt test. After prices continued rapid rise after the beginning of the downside risk real estate, high inventory, to inventory pressure, the financing difficulties of real estate enterprises, new sources of funding are not found, the investment power down, the risk of real estate finance began to show the specific research. The development of the Chinese real estate market, and explore the real estate finance, analysis of the causes of the financial risk of real estate, the specific performance and influence, combined with the Chinese real estate development actual situation, put forward to perfect the financial system of the real estate policy ideas and specific countermeasures to prevent the risk of real estate finance, provide effective reference recommendations for policy makers and industry managers. Through the analysis of China real estate industry development in different periods, comparison and analysis of the present situation of the real estate market. The real estate finance has experienced in China, exploration and practice, after several stages of development and innovation, entered a relatively stable and healthy development of the new situation. The pattern of diversification of financing of real estate financial market is formed. The risk of the real estate market and Chinese real estate financial risks were analyzed, the real estate market In system structure, several aspects of the housing bubble. The financial risk of real estate China is perplexing causes: real estate financing less financing channels is relatively simple; excessive government macro-control of real estate and real estate finance and administrative intervention; the establishment of social credit system is relatively backward; real estate financial laws and regulations are not complete; the housing provident fund management risk; real estate financial market lack of early warning and monitoring system. The causes of real estate financial risk analysis of the generation, this paper puts forward some countermeasures and suggestions on the real estate financial risk prevention, in hopes of having substance in speech, It stands to reason..

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832

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