四川XPLZ公司房地产抵押贷款额度评估
发布时间：2018-07-27 10:11
【摘要】：本文的主要研究内容就是结合运用实际案例,分析影响评估对象的因素,最终采用重置成本法、基准地价系数调整法和成本逼近法等评估方法完成了实践操作,估算出了四川XPLZ公司房地产的抵押价值,进一步测算了相应的贷款额度；本人的论文将影响因素分为两大部分,一个主要因素是房地产本身的属性,采用房地分离评估,分别对土地和建筑物进行估值；另外一个辅助因素就是中小型企业企业主自身的因素。对起主要作用的房地产评估整体采用成本法进行估值,在起辅助作用的企业主个人因素评估,主要是通过德尔菲法得出五个主要因素之间的权重比例,结合企业主的实际情况,最终加权综合得企业主调整系数,计算出商业银行贷款额度的参考数额。 论文整体上分为四个部分：第一部分介绍了本文的研究背景和目前国内国外的研究状况,对资产评估的三大基本方法(成本法、收益法和市场法)在房地产估值行业中的应用以及需要注意的问题给予了解释和说明；虽然还没有一个完整的抵押价值评估体系,但是以抵押价值为价值类型的应用已经逐步展开,其中抵押价值的概念已经被完全纳入了《欧洲评估准则》里。近些年,我国的很多学者也在进行着这样的探讨和努力,并且已经在风险理论,方法应用等方面取得了不俗的成就。 第二部分是对影响中小型工业企业房地产抵押贷款的因素进行相关分析,对影响中小型工业企业房地产抵押贷款的因素分为了房地产自身因素(首要因素)和企业主自身因素(辅助因素),房地产自身因素主要从以下几个方面进行了阐述：自身属性、区域环境、宏观因素等。对于企业主自身因素,主要是从企业主学历、婚姻状况、实际控制企业年收入、信用情况和从业时间五个方面进行了分析,运用德尔菲法算出各因素之间的权重,计算出企业主调整系数,为银行确定贷款额度提供参考。 第三部分是实际案例应用,解释了评估对象、评估时点、评估原则以及方法等房地产评估的主要要素,文中主要阐述了三大基本方法的优缺点以及应用条件,结合中小型工业企业的特点,在对中小型工业企业进行评估的大多数实务操作中,成本法运用的最广泛,取得实际效果也最好。通过论文作者在评估公司实习时亲身参与的评估项目,针对项目特点,运用适合的评估方法完成评估报告。再用德尔菲法,对影响企业主的自身因素进行权重规定,结合本案例中实际控制人的自身条件进行打分,得出企业主调整系数。用企业主调整系数乘以房地产自身的抵押价格,得出了商业银行贷款额度的参考值。 最后一部分是总结,对本篇论文主要的研究问题和方法进行了总结,指明了本文在商业银行对中小型工业企业房地产抵押贷款方面的参考作用；也对论文中存在的不足进行了说明,由于作者本人的理论水平和实践经验都有不足,也只能粗浅的对相关问题进行阐述,对有关深层次问题的分析可能还是不到位。
[Abstract]:The main research content of this paper is to combine the actual cases, analyze the factors affecting the evaluation object, and finally adopt the replacement cost method, the benchmark land price coefficient adjustment method and the cost approximation method to complete the practical operation, estimate the value of the Sichuan XPLZ's real estate, and further calculate the corresponding loan amount. My thesis divides the factors into two parts, one of which is the property of the real estate itself, the valuation of the land and the buildings by the real estate separation assessment, and the other factor is the factor of the small and medium enterprise owners themselves. The overall use of the real estate evaluation is estimated by the cost method. Value, in the evaluation of the individual factor of the enterprise owner, it is mainly through the Delphi method to get the weight ratio between the five main factors, combined with the actual situation of the enterprise owner, and finally weighted the adjustment coefficient of the business owner to calculate the reference amount of the loan amount of the commercial bank.
The thesis is divided into four parts as a whole: the first part introduces the background of the study and the status of the research at home and abroad, and explains and explains the application of the three basic methods of asset assessment (cost method, income law and market law) in the real estate valuation industry and the problems to be paid attention to; although there is not a complete conclusion The whole system of mortgage value assessment, but the application of the value of mortgage as a value type has been gradually expanded, and the concept of mortgage value has been fully incorporated into the European evaluation criterion. In recent years, many scholars in our country have also carried out such discussions and efforts, and have already obtained the theory of risk, the application of methods and so on. A great achievement.
The second part is the related analysis of the factors affecting the real estate mortgage loan in small and medium industrial enterprises. The factors that affect the real estate mortgage loan in small and medium industrial enterprises are divided into the real estate itself factors (the primary factor) and the enterprise owner's own factors (auxiliary factors), and the real factors of real estate are mainly explained from the following aspects. In this paper, the self attributes, regional environment, macro factors and so on. For the enterprise owner's own factors, mainly from five aspects of the main educational background, the marital status, the actual control of the annual income of the enterprise, the credit situation and the employment time, the weight of each factor is calculated by Delphi method, and the adjustment coefficient of the enterprise is calculated and the loan is determined for the bank. The amount of money is provided for reference.
The third part is a practical case application, which explains the main elements of real estate evaluation, such as evaluation objects, time points, evaluation principles and methods. The paper mainly expounds the advantages and disadvantages of the three basic methods and the application conditions, and combines the characteristics of small and medium industrial enterprises to conduct the most practical operations for the evaluation of small and medium industrial enterprises. The cost method is the most widely used and the best practical effect is achieved. Through the author's personal participation evaluation project in the evaluation of the company's internship, the author uses the appropriate evaluation method to complete the evaluation report. Then the Delphi method is used to determine the weight of the enterprise owner's own factors and the actual controller in this case. The main adjustment coefficient of the enterprise is obtained. The main adjustment coefficient of the enterprise is multiplied by the mortgage price of the real estate itself, and the reference value of the loan amount of the commercial bank is obtained.
The last part is summary, summarizes the main research problems and methods of this paper, points out the reference role of the commercial bank to the real estate mortgage loan of small and medium industrial enterprises, and also explains the shortcomings in the paper, because the author's own theoretical level and practical experience are insufficient, only It can explain the related problems superficially, and the analysis of deep-seated problems may not be in place.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479;F299.233.4
本文编号：2147495
[Abstract]:The main research content of this paper is to combine the actual cases, analyze the factors affecting the evaluation object, and finally adopt the replacement cost method, the benchmark land price coefficient adjustment method and the cost approximation method to complete the practical operation, estimate the value of the Sichuan XPLZ's real estate, and further calculate the corresponding loan amount. My thesis divides the factors into two parts, one of which is the property of the real estate itself, the valuation of the land and the buildings by the real estate separation assessment, and the other factor is the factor of the small and medium enterprise owners themselves. The overall use of the real estate evaluation is estimated by the cost method. Value, in the evaluation of the individual factor of the enterprise owner, it is mainly through the Delphi method to get the weight ratio between the five main factors, combined with the actual situation of the enterprise owner, and finally weighted the adjustment coefficient of the business owner to calculate the reference amount of the loan amount of the commercial bank.
The thesis is divided into four parts as a whole: the first part introduces the background of the study and the status of the research at home and abroad, and explains and explains the application of the three basic methods of asset assessment (cost method, income law and market law) in the real estate valuation industry and the problems to be paid attention to; although there is not a complete conclusion The whole system of mortgage value assessment, but the application of the value of mortgage as a value type has been gradually expanded, and the concept of mortgage value has been fully incorporated into the European evaluation criterion. In recent years, many scholars in our country have also carried out such discussions and efforts, and have already obtained the theory of risk, the application of methods and so on. A great achievement.
The second part is the related analysis of the factors affecting the real estate mortgage loan in small and medium industrial enterprises. The factors that affect the real estate mortgage loan in small and medium industrial enterprises are divided into the real estate itself factors (the primary factor) and the enterprise owner's own factors (auxiliary factors), and the real factors of real estate are mainly explained from the following aspects. In this paper, the self attributes, regional environment, macro factors and so on. For the enterprise owner's own factors, mainly from five aspects of the main educational background, the marital status, the actual control of the annual income of the enterprise, the credit situation and the employment time, the weight of each factor is calculated by Delphi method, and the adjustment coefficient of the enterprise is calculated and the loan is determined for the bank. The amount of money is provided for reference.
The third part is a practical case application, which explains the main elements of real estate evaluation, such as evaluation objects, time points, evaluation principles and methods. The paper mainly expounds the advantages and disadvantages of the three basic methods and the application conditions, and combines the characteristics of small and medium industrial enterprises to conduct the most practical operations for the evaluation of small and medium industrial enterprises. The cost method is the most widely used and the best practical effect is achieved. Through the author's personal participation evaluation project in the evaluation of the company's internship, the author uses the appropriate evaluation method to complete the evaluation report. Then the Delphi method is used to determine the weight of the enterprise owner's own factors and the actual controller in this case. The main adjustment coefficient of the enterprise is obtained. The main adjustment coefficient of the enterprise is multiplied by the mortgage price of the real estate itself, and the reference value of the loan amount of the commercial bank is obtained.
The last part is summary, summarizes the main research problems and methods of this paper, points out the reference role of the commercial bank to the real estate mortgage loan of small and medium industrial enterprises, and also explains the shortcomings in the paper, because the author's own theoretical level and practical experience are insufficient, only It can explain the related problems superficially, and the analysis of deep-seated problems may not be in place.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479;F299.233.4
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相关期刊论文 前4条
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