CH房地产贷款项目风险管理研究

发布时间：2018-04-21 18:35

本文选题：房地产开发 + 银行　；参考：《吉林大学》2017年硕士论文

【摘要】：随着社会主义市场经济体制的确立,特别是我国土地使用制度与住房制度改革的推行,房地产开发逐步走向市场化和产业化,房地产投资规模急剧扩大,作为房地产投资主要资金来源之一的银行房地产开发贷款的规模也不断扩大。加强对房地产项目贷款的管理,特别是做好房地产贷款项目评估工作,对于合理有效地利用信贷资金更好地服务于房地产项目开发和建设,提高房地产贷款质量,防范贷款风险,具有十分重要的意义。为适应现代政府、银行、房地产商风险控制的需要,论文围绕目前房地产开发项目中的主要风险控制点,从房地产项目评估的程序、方法、内容等方面逐一进行了阐述。本文的主要研究内容如下:第一章绪论,主要说明论文研究背景,阐述了研究目的和意义、研究的方法与研究的内容。第二章房地产项目风险基本理论,本章节主要介绍了房地产贷款项目的有关理论概念,同时也介绍了风险的概念和特点,阐述了房地产开发贷款项目的操作流程和特点。第三章XT房地产公司贷款项目风险识别,对XT房地产公司的发展进行了概述,分析了XT房地产公司的经营状况,同时介绍了CH房地产贷款项目的基本情况,得到房地产贷款项目面临着诸多风险,为了更进一步分析这些风险,对其进行分类,提出了CH房地产贷款项目存在的主要风险,包括政策风险、市场风险、操作风险、经营风险。第四章CH房地产贷款项目的风险分析,首先阐述了房地产贷款项目风险评价的必要性和风险评价指标构建的原则和意义,其次运用模糊综合分析法对房地产贷款项目风险进行了分析。从宏观和微观之间的角度出发,充分考虑来自政策、市场、操作、经营等多方面风险因素,并以XT房地产公司的CH房地产贷款项目业务面临的各种风险的权重进行了量化评价,对贷款风险的控制进行实证分析。第五章防范房地产贷款项目风险的措施及建议,在房地产贷款项目成因分析和风险评价的基础上,以我国房地产行业全局的角度,从政府、商业银行和房地产企业三方面提出防范房地产贷款项目风险的措施和建议。
[Abstract]:With the establishment of socialist market economy system, especially the implementation of land use system and housing system reform in China, real estate development has gradually moved towards marketization and industrialization, and the scale of real estate investment has expanded rapidly. As one of the main sources of real estate investment, bank real estate development loans are also expanding. To strengthen the management of real estate project loans, especially to do a good job in evaluating real estate loan projects, so as to better serve the development and construction of real estate projects and improve the quality of real estate loans through the rational and effective use of credit funds, Guard against loan risk, have very important meaning. In order to meet the needs of risk control of modern government, banks and real estate developers, the paper expatiates on the main risk control points in the current real estate development projects from the evaluation procedures, methods and contents of real estate projects. The main contents of this paper are as follows: the first chapter introduces the research background, the purpose and significance of the research, the methods and contents of the research. The second chapter introduces the basic theory of real estate project risk, this chapter mainly introduces the related theory concept of real estate loan project, at the same time, it introduces the concept and characteristics of risk, and expounds the operation flow and characteristics of real estate development loan project. In the third chapter, the risk identification of XT real estate company loan project is introduced, the development of XT real estate company is summarized, the operating situation of XT real estate company is analyzed, and the basic situation of Ch real estate loan project is introduced. The real estate loan project faces many risks. In order to further analyze these risks, the paper classifies them, and puts forward the main risks of Ch real estate loan project, including policy risk, market risk, operational risk. Operational risk. The fourth chapter is the risk analysis of Ch real estate loan project. Firstly, the necessity of risk evaluation of real estate loan project and the principle and significance of risk evaluation index construction are expounded. Secondly, the risk of real estate loan project is analyzed by fuzzy comprehensive analysis method. From the angle of macro and micro, this paper fully considers the risk factors from policy, market, operation, management and so on, and makes a quantitative evaluation on the weight of various risks faced by the Ch real estate loan project business of XT real estate company. The control of loan risk is analyzed empirically. Chapter V measures and suggestions to prevent the risk of real estate loan projects, on the basis of the analysis of the causes and risk evaluation of real estate loan projects, from the perspective of the overall situation of the real estate industry in China, from the government, Commercial banks and real estate enterprises put forward measures and suggestions to prevent the risk of real estate loan projects.
【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】：F832.4;F299.233.42

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