润方地产信贷项目风险评价研究

发布时间：2018-01-05 20:08

本文关键词：润方地产信贷项目风险评价研究　出处：《燕山大学》2014年硕士论文　论文类型：学位论文

【摘要】：房地产信贷项目风险一直以来都是银行界关注的重点，在银行资产中房地产信贷资产占绝大部分。随着社会各界对房地产的评价呼声越来越高，信贷问题已经提上日程，，对房地产信贷项目的研究已经迫在眉睫。本文全面系统论述房地产信贷概念及种类，并阐述房地产信贷风险种类及特征。采用模糊评价方法从地产项目参与人及地产项目主体方面进行风险综合评价。根据评价结果从不同方面提出风险防范策略。首先，论文全面系统论述房地产信贷概念及种类，并界定房地产信贷风险概念，阐述房地产信贷风险种类及特征，介绍房地产信贷风险相关理论及度量风险常用定量评价方法。其次，以润方地产开发商贷款信贷项目为例进行风险管理研究，在对润方地产项目进行简介的基础上。从开发商、投资人、项目参与人方面，采用专家评分方法，利用模糊评价工具进行各方面风险综合评价。再次，从产品及市场、技术建设与运营、法律与财务结构及调整事项、财务，投资预测及融资方案方面，利用模糊评价工具对项目主体各方面进行风险综合评价。最后，根据综合风险评价结果，从宏观、中观以及微观三个层面提出了银行房地产信贷项目风险的防范监管措施，对银行的房地产信贷项目的风险降低提出了切实可行的建议。
[Abstract]:The real estate credit project risk has always been the focus of the bank ' s concern , and the real estate credit assets account for the vast majority of the bank assets . With the increasing demand for real estate in various sectors of the society , the credit problem has been put on schedule , and the research on the real estate credit project has been urgent . The comprehensive system of this paper discusses the concept and kind of real estate credit and expounds the types and characteristics of real estate credit risk . First , the paper systematically discusses the concept and type of real estate credit , and defines the concept of real estate credit risk , expounds the types and characteristics of real estate credit risk , and introduces the theory of real estate credit risk and the commonly used quantitative evaluation method of measurement risk . Secondly , taking the loan credit project of Runfang Real Estate Developers as an example , the risk management study is carried out on the basis of the introduction of the real estate project . From the aspects of the developers , investors and project participants , the expert scoring method is adopted to carry out the comprehensive evaluation of risks in all aspects by using the fuzzy evaluation tool . Thirdly , from the aspects of product and market , technology construction and operation , legal and financial structure and adjustment matters , finance , investment forecasting and financing schemes , the fuzzy evaluation tool is used to carry out comprehensive risk evaluation on all aspects of the project subject . Finally , according to the result of comprehensive risk evaluation , the article puts forward the prevention and supervision measures of bank real estate credit project risk from macro , meso and micro levels , and puts forward practical suggestions to reduce the risk of the bank ' s real estate credit project .

【学位授予单位】：燕山大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.45;F299.233.4

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