中美商业银行房地产信贷风险比较分析

发布时间：2018-01-05 13:31

本文关键词：中美商业银行房地产信贷风险比较分析　出处：《青岛大学》2014年硕士论文　论文类型：学位论文

【摘要】：2010年以来,我国中央政府为了控制房价高涨,陆续推出了一系列的房地产调控政策,房地产价格下行趋势越来越明显,也使得商业银行的房地产信贷风险开始暴露。中国目前的房地产信贷市场环境与美国次贷危机发生以前的情况很相似,造成美国次级贷危机的因素不同程度的存在于中国当前的住房抵押贷款市场中。因此,需要对中美商业银行房地产信贷风险进行详细对比分析,以判断中国商业银行房地产信贷市场是否也会出现美国次级抵押贷款市场类似的危机。本研究首先对房地产信贷及其风险的理论基础部分进行了详细分析,介绍了房地产信贷及风险的概念,分析了房地产业与银行信贷的关系,并对房地产信贷风险的传导过程进行了研究。在此基础上,本研究使用对比分析法对中美商业银行房地产信贷的现状进行比较分析,并通过大量数据对比来说明中国房地产信贷现状与美国的异同。接下来通过定性和定量分析对两国的商业银行房地产信贷风险进行详细的比较,并最终得出结论：中国现阶段并不具备发生类似次贷危机等危机的关键条件,商业银行的房地产信贷风险依然在可控制范围之内,但是风险仍然较为集中。最后,综合之前的总结和分析,分别从商业银行、政府、房地产企业三个不同视角探讨了我国商业银行房地产信贷风险防范的对策建议。
[Abstract]:Since 2010, in order to control the rise of house prices, the central government has introduced a series of real estate regulation and control policies, and the downward trend of real estate prices is becoming more and more obvious. China's current real estate credit market environment is very similar to the situation before the subprime mortgage crisis in the United States. The causes of the subprime mortgage crisis in the United States exist in China's current mortgage market to varying degrees. Therefore, it is necessary to compare and analyze the real estate credit risk of Chinese and American commercial banks in detail. To determine whether China's commercial bank real estate credit market will have a similar crisis in the U.S. subprime mortgage market. This paper firstly analyzes the theoretical basis of real estate credit and its risk, introduces the concept of real estate credit and risk, and analyzes the relationship between real estate and bank credit. And the transmission process of real estate credit risk is studied. On this basis, this study uses comparative analysis to analyze the current situation of real estate credit in commercial banks of China and the United States. And through a large number of data comparison to illustrate the current situation of real estate credit in China and the United States similarities and differences. Then through qualitative and quantitative analysis of commercial banks real estate credit risk of the two countries to carry out a detailed comparison. And finally come to the conclusion: at this stage, China does not have the key conditions of crisis such as sub-prime crisis, commercial banks' real estate credit risk is still within the scope of control. But the risk is still relatively concentrated. Finally, synthesis of the previous summary and analysis, respectively from the commercial banks, the government. This paper discusses the countermeasures and suggestions of real estate credit risk prevention of commercial banks in China from three different angles.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F831.2

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