我国房地产金融风险成因及对策

我国房地产金融风险成因及对策

Studies on the Causes and Countermeasures of the Financial Risks of Real

Estate in China

摘要

近年来，我国正处于经济高速发展和城镇化快速推进的过程之中，房地产无论是作为一种投资品还是作为一种生活必需品都受到前所未有的关注，成为了最具投资价值和最富需求价值的特殊商品。正因为如此，房地产价格变动比一般商品更加剧烈，对经济的影响也更加巨大。由于房地产供需市场和房地产经营活动受多重复杂因素的影响，从而更容易产生房地产金融风险问题，这些问题一旦产生，将会对实体经济带来十分有害的影响。因此，针对房地产经营活动中可能出现的金融风险进行研究，对于一国宏观经济的顺利发展和消费者利益的保障具有十分重要意义。

本文对我国房地产金融风险的研究首先从阐述房地产金融的基本理论入手，全面探讨了房地产金融的内涵、特点与发展历程，并对我国房地产金融风险的现状进行分析，分析得出金融机构内在的制度和经营行为、房地产企业信贷和个人信贷等方面是导致房地产金融风险的根本原因；最后，本文从商业银行、房地产企业、个人及政府方面对防范房地产金融风险提出若干建议和对策。

关键词：房地产金融房地产企业信贷经营行为价格变动

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Studies on the Causes and Countermeasures of the Financial Risks of Real Estate in China

Abstract

In recent years, Chinese rapid economic development and is in the process of accelerated urbanization among real estate either as an investment or as a necessity goods are subject to unprecedented attention, became the most investment value and the value of the most demand special commodity. Because of this, changes in real estate prices is more intense than general merchandise, the economic impact is also greater. As the real estate market and real estate supply and demand affect the operations of multiple complex factors, and thus more prone to the risk of real estate finance issues, which once produced, will bring very harmful effects on the real economy. Therefore, the real estate business activities for financial risks that may arise in research, and for ensuring the smooth development of a country's macro-economic interests of consumers has very important significance.

This paper studies the risk of real estate finance real estate finance first from the basic theory expounded start a comprehensive study of the meaning of real estate finance, characteristics and development process, and to analyze the current situation of Chinese real estate financial risk analysis reveals the inherent system of financial institutions and conduct of operations, real estate companies and other aspects of credit and personal credit is the root cause of the real estate financial risk; Finally, from commercial banks, real estate companies, individuals and government to guard against financial risks of real estate made a number of suggestions and countermeasures.

Key words: Real Estate Finance Real Estate Corporate Credit Business Behavior Price Changes

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目录

摘要 ............................................................................................................................................ I Abstract ...................................................................................................................................... I I 1 前言.. (1)

1.1 本研究的目的与意义 (1)

1.2 国内外研究文献综述 (1)

1.3 本研究的主要内容 (3)

2 房地产金融风险理论 (4)

2.1 房地产金融风险概念 (4)

2.2 房地产金融风险的分类与特征 (4)

3 我国房地产金融的发展历史与现状 (6)

3.1 我国房地产金融的发展历史 (6)

3.2 我国房地产金融的现状及其风险分析 (8)

4 我国房地产业金融风险成因分析 (10)

4.1 房地产企业融资渠道单一 (10)

4.2 商业银行管理机制的弊端 (10)

4.3 房地产企业自身经营管理不善 (11)

4.4 个人住房消费信贷潜在违约风险较大 (12)

4.5 房地产市场价格过高 (12)

4.6 国家政策性风险和法律法规风险 (12)

5 防范房地产金融风险的对策 (13)

5.1 拓展多元化融资渠道 (13)

5.2 加强商业银行内控机制建设 (13)

5.3 提高房地产企业信用及增强企业竞争力 (14)

5.4 完善个人征信系统并提高个人房贷资产质量 (14)

5.5 抑制房地产过度投机投资以平抑房价 (15)

5.6 加强配套的政策及法律法规建设 (15)

6 结论 (16)

参考文献 (17)

致谢 ......................................................................................................... 错误！未定义书签。

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