房地产信贷的风险分析和防范对策doc.doc

房地产信贷的风险分析和防范对策研究 中文摘要 房地产信贷是当今世界最为活跃的传统业务之一，大力发展房地产信贷业务能够改善人们的生活质量，也能够缓解新一批就业者面临的买房压力。随着全球银行业竞争加剧，各大银行开始把信贷业务作为业务和利润的稳定增长点，带动房地产业的发展。商品房的价格稳定攀升，大量的社会资金成为购房投资的一部分。住房商品化产生的问题也随之而来。 由于房价持续上涨，一些问题变得更加显著，增加了人们的担心。房地产业在住房商品化的过程当中，并未完全打开房地产的融资渠道，房地产对银行资金的依赖程度过高。 本文将论述近年来的房地产行业状况，金融业与房地产业之间的影响，银行在房地产贷款方面的风险类别及风险分析，以及产生的原因，影响因素，从而找寻改善的方法，对一些可控风险提出防范措施。 关键词：房地产泡沫；资金依赖；融资渠道 Real estate credit risk analysis and prevention countermeasures Abstract Real estate credit is one of the most active of the traditional business in todays world, vigorously develop the real estate credit business can improve peoples quality of life, also can alleviate the pressure of the a new batch of workers faced to buy a house.As the global banking industry competition, Banks began to put the credit business as a business of steady growth and profits, giving impetus to the development of the real estate industry.Commercial housing price stability, a lot of social capital to become part of the housing investment.The problem of housing commercialization is followed.As house prices continue to rise, some problems become more pronounced, increased the fears.The real estate industry in the process of housing commercialization, has not fully open real estate financing channels, high degree of dependence on Banks capital of real estate.In recent years the real estate industry status, will be discussed between the financial sector and real estate industry, the influence of Banks in the field of real estate loan risk classification and risk analysis, as well as the causes, influence factors, so as to find ways to improve, to some controllable risk prevent measures are put forward. Key words: property;reliance of funding;financing channels 目录 1 导论 1 （一）选题背景及意义 1 （二）国内外研究综述 2 1、国外研究综述 2 2、国内研究综述 2 2 房地产信贷风险 3 （一）房地产现状概述 3 （二）信贷风险 6 1、风险概述 6 2、风险的种类 6 （三）产生风险的原因 7 1、信息不对称引发潜在的危机 7 2、房地产企业过于依赖银行的资金投入 8 3、监管不够，违规经营现象时有发生 9 4、房地产泡沫带动泡沫，面临破裂的危险 9 5、“先租后抵”导致银行难以处理房产 11 6、抵押物的处置不当 11 7、评估机构不规范 12 3 防范对策 12 （一）拓宽房地产