保定市房地产金融风险和防范研究.pdfVIP

摘 要 摘 要 房地产业是关系国计民生的重要行业，因此也受到政府乃至社会各个阶层的普遍关 注。当前，房地产业已成为我国经济发展中极具特色的产业，对拉动经济增长发挥了重 要作用。在房地产业快速发展的同时，包括金融风险等潜在的问题日益突出，房地产金 融风险不仅会影响房地产业自身的健康稳定，而且对整个金融业乃至国民经济的稳定和 发展也会产生极其不利的影响。由于房地产业是资本密集性的特殊行业，与金融业有着 非常密切的联系，在美国次贷危机所引发的全球性金融危机的大背景下，采取积极措施 防范房地产金融风险已是刻不容缓。 本文立足于保定市房地产金融风险的实际情况，以房地产金融相关理论为依托，采 用定性分析和定量分析，理论分析和实证分析等方法，从保定市房地产金融风险发展现 状入手，重点指出房地产开发企业的规模和资质不高，房地产开发商自有资金不足，房 地产市场已经供过于求，商业地产升温，土地供给不足、地价持续上涨是保定市房地产 业发展的典型特征。本文建立了房地产金融风险监测指标体系，并对保定市房地产金融 风险各项监测指标进行了量化分析，对保定市房地产金融风险进行了评价，在此基础上， 客观分析了保定市房地产金融风险的形成原因。本文最后在实证的基础上提出：房地产 开发企业要积极拓宽融资渠道，探索融资新模式；努力提高市场竞争力，增强抗风险能 力，塑造企业品牌；加强银行房地产信贷内部控制，提高风险管理水平；加强政府对房 地产市场的宏观管理和调控；培育和优化房地产金融发展的宏观环境等防范和控制保定 市房地产金融风险的对策和建议。 关键词 保定市 房地产 房地产金融风险 防范策略 I Abstract Abstract Real estate industry is an important industry related with national economy and peoples livelihood, therefore is also generally concerned by government and even every social stratum. At present, the real estate industry has become a very characteristic industry in the economic development of our country, and played an important role in stimulating the economic growth. The real estate industry is developing rapidly, at the same time, potential problems include financial risks have become increasingly prominent, the financial risks of the real estate not only affect the healthy and stable of real estate industry itself, but also have an extremely negative impact to the stability and development of the entire financial industry and even national economy. As the real estate industry is a capital-intensive particular industry, closely linked with the financial sector, at the background of the global financial crisis that triggered by the United St