商业银行商品房预售资金监管模式研究

发布时间：2018-03-31 08:15

本文选题：商品房预售资金　切入点：监管模式　出处：《西安建筑科技大学》2014年硕士论文

【摘要】：房地产开发是一个资金使用密集、投资庞大的系统工程，也是我国国民经济的主导产业，在现代社会生活中有举足轻重的地位，其健康发展对国民经济的发展起着重要作用。现阶段我国金融体系的发展还不够完善，很难满足房地产业对资金的需求，为了解决房地产业严重缺乏资金这一难题，很多企业将目光转移到商品房的预售资金上，商品房的定金及预售款成为了房地产开发商资金的第一大来源。在实践中，由于对商品房预售资金缺乏监管，开发商在使用预售资金的过程中侵犯预购人合法权益的事件频繁发生。所以，对商品房预售资金进行有效监管，可以保障购房者及社会的公共利益不受侵害，对于房地产市场的稳定发展发挥关键的作用。本文将立足我国商品房预售制度的背景及其运行的现状，以商品房预售资金监管的相关理论为出发点，首先，对商业银行商品房预售资金监管的运行模式进行分析并提出此模式中存在的问题。其次，运用数理经济模型推导方法分析商品房预售资金监管制度对房地产最佳销售价格和市场效率的影响。分析表明：固定数额资金监管方法既不影响商品房销售价格也不影响房地产市场效率；固定比例资金监管方法不影响商品房销售价格，但会降低房地产的市场效率；混合资金监管方法可以影响房价，在不同的条件下对房地产市场效率的影响也不同。再次，运用博弈论分析商业银行商品房预售资金监管模式中参与方之间的利益关系。通过分析得知，地方政府、商业银行、房地产开发商之间的存在错综复杂发的利益关系，对商品房预售资金监管的有效性有一定的影响。最后，借鉴国外和香港的商品房预售资金监管经验，构建新型的“多机构资金监管模式”提出完善商品房预售资金监管的思路和改进商品房预售资金监管的意见建议。
[Abstract]:Real estate development is a systematic project with intensive use of funds and huge investment. It is also the leading industry of our national economy and plays an important role in modern social life. Its healthy development plays an important role in the development of the national economy. At the present stage, the development of our financial system is still not perfect, it is very difficult to meet the demand for funds in the real estate industry, in order to solve the problem of the serious lack of funds in the real estate industry, Many enterprises have turned their attention to the funds for the advance sale of commercial housing, which has become the first major source of funds for real estate developers. In practice, due to the lack of supervision over the funds for the pre-sale of commercial housing, In the process of using pre-sale funds, developers frequently violate the legitimate rights and interests of pre-buyers. Therefore, effective supervision of the funds for pre-sale of commercial housing can ensure that the public interests of buyers and society are not infringed upon. For the stable development of the real estate market play a key role. This article will base on the background and the present situation of the commercial housing pre-sale system in our country, take the related theory of the commercial housing pre-sale fund supervision as the starting point, first, This paper analyzes the operation mode of commercial banks' pre-sale funds supervision and puts forward the problems existing in this mode. Secondly, In this paper, the mathematical economic model is used to analyze the influence of the supervision system on the best selling price and the market efficiency of the real estate. The analysis shows that the fixed amount of capital supervision method has no effect on the sale price of the commercial housing. Also does not affect the real estate market efficiency; The fixed proportion fund supervision method does not affect the selling price of commercial housing, but it will reduce the market efficiency of real estate. The mixed fund supervision method can affect the house price, and the effect on the real estate market efficiency is also different under different conditions. Thirdly, Using game theory to analyze the interests of the participants in the supervision model of commercial banks' commercial housing pre-sale funds. Through the analysis, we can see that there are intricate interest relationships among local governments, commercial banks, and real estate developers. It has a certain impact on the effectiveness of the supervision of commercial housing pre-sale funds. Finally, the experience of foreign countries and Hong Kong in the supervision of commercial housing pre-sale funds is used for reference. To construct a new "multi-institution fund supervision mode", this paper puts forward the ideas of perfecting the supervision of commercial housing pre-sale funds and some suggestions on how to improve the supervision of commercial housing pre-sale funds.
【学位授予单位】：西安建筑科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23;F832.33

【参考文献】