我国房地产金融风险的分析及其防范.pdfVIP

要 中国当代的房地产金融，是伴随改革开放的不断深化，城市住宅制度与土地 使用制度的改革，而逐步发展起来的。经过短短的二十多年，中国房地产金融已 经发展到了相当的规模，中国房地产金融近年来的发展势头更是显得十分迅猛。 但是，持续膨胀的我国房地产金融是否健康、安全呢？ 为此，本研究从房地产金融主体—银行的角度出发，借助西方金融风险理论， 对我国房地产金融风险的现状进行分析。分析认为：1.我国房地产金融面临的主 要风险是房地产开发贷款的信用风险、部分房地产市场过热存在市场风险、房地 产开发企业高负债经营隐含财务风险、“假按揭”凸显道德风险、基层银行发放房 地产贷款存在操作风险、土地开发贷款有较大信用风险、房地产抵押处理中的法 律风险；2.我国房地产金融风险的主要原因是房地产周期波动的原因、房地产金 融市场上的信息不对称原因和制度性原因。 为有效防范我国房地产金融风险，最后，本文提出：⑴制定科学合理的房地 产发展战略；⑵建立和完善房地产金融风险的监测体系；⑶建立和完善房地产金 融的法律框架；⑷建立和完善企业信用制度与个人信用制度；⑸发展和完善房地 产金融市场体系，推进房地产融资渠道的多元化；⑹强化商业银行内控机制，规 范房地产信贷操作。 关键词：房地产金融 房地产金融风险 风险防范 1 Abstract The development of China modern real estate finance is go with the China s economy reform and opening-up, along with the city residential system and the land use system reform. Just after more than twenty years development, China real estate finance s scale is considerable, and its growth momentum become violent recently. Will the situation last soundly? So, from the angle of commercial bank, this thesis analyses the situation of China real estate finance risk. It is concluded that : The major risks of China real estate finance are credit risk of Real Estate Development Loan 、market risk in some over-heated real estate market 、finance risk of real estate enterprise for its high asset-liability ratio 、moral hazard showed by “false Residential Mortgage Loan”、 operation risk in basic bank unit 、credit risk of Land Development Loan and law risk in settling the real estate mortgaged. ⒉The major causes of China real estate finance risk are real estate economy cycle 、information Asymmetry occurred on real estate finance market and institutional causes. At the end of this thesis, I put forward these measures: ⑴Make real estate economy de