我国土地储备贷款定价分析研究
发布时间：2018-08-01 10:13
【摘要】：土地属于稀缺资源,与人类日益增长的需求之间存在矛盾关系,因此土地制度在全球大部分国家都是关乎社会稳定的重要因素。我国把土地资源视为基础产业,由国土资源部统一管理。随着城镇化的逐步发展,土地整理储备成为重中之重。从前人的研究文献可知,国内外均没有专门针对土地储备贷款定价进行研究。本文抓住这一研究的薄弱领域,系统全面的对有影响力的因素进行阐述,并且将其与传统的企业贷款进行对比。 文章先是贷款定价的影响因素分成两个体系：借款人的影响因素和借款项目的影响因素。然后选取经过风险调整的贷款收益模型为基础模型,做了两个调整：一是将原模型的较少因素进行扩充,形成一个由大概几十个指标组成的因素矩阵；二是改变模型的输入数据,将其由一线数据转化为打分后的数据。贷款定价的关键在于如何将一线数据客观的转变为打分数据。 在文章的最后,针对前面的因素分析和模型设计,提出了相应的政策建议,核心目标是在不提高贷款风险和土地储备开发效益的情况下加大银行的利润空间。
[Abstract]:Land is a scarce resource and has a contradictory relationship with the increasing demand of human beings. Therefore, land system is an important factor of social stability in most countries of the world. Our country regards the land resources as the foundation industry, by the land resources ministry unified management. With the gradual development of urbanization, land consolidation and storage has become the top priority. Previous research literature shows that there is no research on land reserve loan pricing at home and abroad. This paper grasps the weak field of this research, systematically and comprehensively expounds the influential factors, and compares them with the traditional enterprise loans. First, the influencing factors of loan pricing are divided into two systems: the borrower's influencing factors and the loan project's influencing factors. Then the risk-adjusted loan income model is selected as the basic model and two adjustments are made: one is to expand the few factors of the original model to form a factor matrix composed of about dozens of indicators; The other is to change the input data of the model from the first line data to the graded data. The key of loan pricing lies in how to change line data into score data objectively. At the end of the paper, according to the factors analysis and model design, the paper puts forward the corresponding policy recommendations. The core goal is to increase the profit space of the bank without increasing the loan risk and the benefit of land reserve development.
【学位授予单位】：北京林业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F301.2;F832.4
本文编号：2157241
[Abstract]:Land is a scarce resource and has a contradictory relationship with the increasing demand of human beings. Therefore, land system is an important factor of social stability in most countries of the world. Our country regards the land resources as the foundation industry, by the land resources ministry unified management. With the gradual development of urbanization, land consolidation and storage has become the top priority. Previous research literature shows that there is no research on land reserve loan pricing at home and abroad. This paper grasps the weak field of this research, systematically and comprehensively expounds the influential factors, and compares them with the traditional enterprise loans. First, the influencing factors of loan pricing are divided into two systems: the borrower's influencing factors and the loan project's influencing factors. Then the risk-adjusted loan income model is selected as the basic model and two adjustments are made: one is to expand the few factors of the original model to form a factor matrix composed of about dozens of indicators; The other is to change the input data of the model from the first line data to the graded data. The key of loan pricing lies in how to change line data into score data objectively. At the end of the paper, according to the factors analysis and model design, the paper puts forward the corresponding policy recommendations. The core goal is to increase the profit space of the bank without increasing the loan risk and the benefit of land reserve development.
【学位授予单位】：北京林业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F301.2;F832.4
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