我国房地产金融风险研究

发布时间：2018-01-19 20:04

本文关键词： 房地产房地产金融金融风险　出处：《江西财经大学》2006年硕士论文　论文类型：学位论文

【摘要】：2006年是否是房地产价格的拐点，，为此学者和专家进行了激烈的争论，这从一方面反映了房地产在我国当前及今后是基础产业和支柱产业，将继续拉动国民经济的增长；另一方面也说明了目前我国房地产投资出现过热。房地产和金融已经相互渗透，房地产投资严重依赖银行的贷款，一旦房地产出现下降趋势，银行长期以来积聚的风险便可能恶化，不良贷款将难以消化。风险是客观存在的，它不仅存在于房地产投资中，在银行贷款中也大量的存在，我们所做的不是彻底的拒绝风险而是要有效避免和降低风险发生的概率。房地产在高速发展中的风险有很大一部分转嫁给了银行等金融机构，特别在我国由于融资渠道不多，银行等金融机构成为主要的融资手段的情况下。因此如何有效的避免金融机构不良贷款的比率，不仅是关系到金融机构本身，而且还关系到整个国民经济，因为金融是国民经济的命脉。对房地产金融风险的研究不仅可以为普通消费者服务，也可以为政府的宏观政策提供依据，从发达国家房地产金融发展的成功中吸取经验，可以避免他们走过的弯路。本文从金融机构和金融机构管理者的角度出发，探讨房地产金融风险的防范和化解手段，提出房地产金融机构要有序竞争，逐步推行房地产证券化，对房地产企业本身的经济效益进行有效考核，完善信用制度，规范金融机构的经营管理。本文重点介绍了房地产金融风险分类，并从房地产与金融的相互关系、房地产特征增长方式、房地产周期、房地产价格波动对金融的传导机制等方面深入分析了房地产金融风险的成因。房地产信贷总额增长过快，房地产信贷渠道单一，房地产企业和银行等金融机构的信息不对称，金融机构自身的经营不规范，信用制度的不完善等都将风险集中于金融机构，所以有必要用一些指标来细化金融风险，来达到金融风险的预警作用。
[Abstract]:In 2006 , whether it was an inflection point of real estate prices , scholars and experts had heated debate , which reflected real estate investment in our country and the pillar industry in the future , which will continue to stimulate the growth of national economy ; on the other hand , it also shows that the real estate investment in our country is overheating . Real estate investment is heavily dependent on the bank ' s loan . Once the real estate has declined , the risk that the bank has accumulated for a long time may deteriorate , and the non - performing loans will be difficult to digest . The risk is objective . It not only exists in real estate investment , but also exists in the bank loan . The risk of real estate in the high - speed development is not only related to the financial institution itself but also to the whole national economy , because the finance is the lifeline of the national economy . The research on the real estate financial risk can not only serve the ordinary consumers , but also can provide the basis for the government ' s macro - policy . From the angle of financial institution and financial institution manager , this paper discusses the prevention and settlement methods of real estate financial risk , puts forward that real estate financial institutions should compete in order , gradually implement real estate securitization , carry out effective assessment on the economic benefits of real estate enterprises themselves , perfect credit system and regulate the operation and management of financial institutions . This paper focuses on the classification of real estate financial risk , analyzes the causes of real estate financial risk from the relationship between real estate and finance , real estate characteristic increasing mode , real estate period and real estate price fluctuation .

【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2006
【分类号】：F293.3;F832.4

【引证文献】