美国金融机对我国房地产金融市场的启示.doc

本科毕业论文 内容摘要 房地产金融市场是我国金融市场的重要组成部分之一，完善健全该市场的秩序、促进市场有序健康发展是当前不容忽视的目标。然而，自2007年美国次贷危机爆发后，市场与政府的角色再次被呼吁。加之经济全球化的必然趋势，一国凭借自身的经济条件难以独善其身。因此针对美国金融危机对我国房地产金融市场的启示，对于我国金融市场的健全发展和全球经济的稳步提升有着重要意义。 本文通过全面剖析美国金融危机并结合我国房地产金融市场的现况，通过调研和分析，发现并指出美国金融危机爆发的根源以及我国房地产金融市场的特点以及所存在的问题，并结合相关理论知识以及其实际情况提出相应的防范措施 关键词：金融危机；房地产金融市场；风险防范 Abstract Real estate finance market is one of the important part of Chinese financial market, improve and perfect the market order, promote the orderly and healthy development of the market is the target that not allow to ignore. However, since 2007, the us subprime mortgage crisis broke out, the role of the market and the government was again called for. Combined with the inevitable trend of economic globalization, a country to revive its own economic conditions. So on the United States financial crisis on Chinas real estate finance market, for the healthy development of Chinas financial markets and the steady rise of the global economy has important significance. In this article, through comprehensive analysis of the U.S. financial crisis and combining the current situation of our country real estate finance market, through the investigation and analysis, found the root cause of the us financial crisis, as well as the characteristics of real estate financial market in China and the existing problems, and combined with relevant theoretical knowledge and the actual situation put forward the corresponding preventive measures Key Words：The Financial Crisis；Real Estate Financial Markets；Risk Prevention 目 录 一、引言 ………………………………………………………………… 1 二、科学认识美国金融危机及相关应对 ……………………………… 2 （一）综述美国金融危机产生的原因 ……………………………… 2 （二）分析美国金融危机的根源 …………………………………… 3 三、关于我国房地产金融的现状特点以及风险因素 ………………… 6 （一）房地产价格上涨过快，超越居民的可消费能力 …………… 6 （二）风险过分集中于商业银行体系 ……………………………… 6 （三）有关房地产金融在创新中存在的问题 ……………………… 6 （四）商业银行和其他金融机构存在的缺点 ……………………… 7 四、美国金融危机对我国金融领域的启示 …………………………… 7 五、就美国金融危机简述房地产金融风险的防范对策 ……………… 9 （一）对“假按揭”现象的治理防范 ……………………………… 9 （二）优化房地产金融服务，加强有效监测 ……………………… 9 （三）实施稳健的房地产金融调控政