我国房地产金融风险及防范研究.pdfVIP

要 近十年来，我国房地产业伴随着国民经济的蓬勃发展而同步发展。房地产业 作为资金密集型行业，其发展需要金融支持，于是，金融业与房地产业紧紧交织 在一起，房地产业的迅猛发展对金融业提出房地产金融风险的严峻挑战。目前， 国内房地产信贷的快速扩张所积 的金融风险基本上由商业银行承担，一旦爆发， 承担风险的不仅仅是商业银行，而是整个社会。因此，从居安思危的角度选择 我 国房地产金融风险及防范研究”，对防范和化解国内房地产金融风险具有一定的理 价值和现实意义。 本文共分为五个部分，第一部分介绍了研究背景和国内外研究的现状以及房 地产金融风险理 ；第二部分结合我国房地产发展状况，从房地产开发投资、商 品房空置面积、个人年度房地产贷款余额和商品房销售价格四个方面阐述了我国 房地产泡沫现状，得出我国目前存在很大的房地产金融风险；第三部分剖析了我 国房地产金融风险的形成原因，主要是：融资市场的制度缺陷、 度投机、商业 银行经营行为异化和土地管理制度等四个方面；第四部分介绍了美国和新加坡两 个国家防范房地产金融风险的经验，为我国防范房地产金融风险提供一定的借鉴； 第五部分从微观和宏观两个角度提出了防范和化解我国房地产金融风险若干政策 措施。 就房地产业而言， 度投机是赌博行为（凯恩斯语）；就金融业而言，商业银 行经营行为异化存在着制度缺陷。两者相辅相成共同铸造的房地产金融风险，必 须从建立商业银行房地产信贷风险评估模型、化解房地产不良资产和推行住房抵 押贷款证券化等方面着手，把我国房地产业和金融业双双纳入可持续发展正轨。 关键词：房地产泡沫 房地产金融风险 防范措施 1 Abstract In the past ten years, Real Estate industry in China has developed quickly along with the flourishing development of economy. The development of Real Estate industry as capital denseness needs the supporting of finance. Then the finance industry is in close contact with the real estate industry, the real estate proposes the severe challenges of the financial risks of the real estate to financial circles. At present, the domestic real estate credit fast expansion accumulates the financial risk basically undertakes by the commercial bank, once erupts, undertakes the risk is the commercial bank not merely, but is the entire society. Therefore, choose our country real estate finance risk and the guard research” in person in term of thinking of danger in times of safety, to guards against and dissolves the domestic real estate finance risk to have the certain theory value and the practical significance. This article divides into five parts, the first part introduces the research background and the domestic and foreign research present s