襄阳市商业银行房地产金融风险状况研究--论文汇.docx

襄阳市商业银行房地产金融业务风险状况研究摘要近年来，房地产产业在我市发展相当迅速，与此同时，商业银行作为背后有利的支持者，在其中扮演了重要的角色。但由于房地产业发展势头过快、银行信贷过于集中的状况使得房地产金融机构承担着较高的金融风险。如何防范和控制房地产金融风险已成为当前商业银行需要研究解决的问题之一。本文从商业银行房地产金融业务开展的实际情况出发，在对房地产金融的相关概念研究的基础上，从商业银行房地产金融业务的现状着手，分析襄阳市商业银行房地产金融业务存在的风险，提出进一步完善襄阳商业银行房地产金融风险管理对策建议。关键词：商业银行 房地产 金融风险AbstractIn recent yeaes,the real estate industry in XiangYang developed rapidly.At the same time ,commercial banks as a strong supporter behind the real estate industry,which plays an imporong role .However , due to the momentum of rapid development of China’s real estate industry,the status of bank credit is too focused on making the real estate financial institutions bear higher financial risks. How to prevent and control the solve the problem.This real estate finance from the commercial bank to carry out the actual conditions of business,real estate finance in the study,based on relevant concepts from the commercial bank current situation of the real estate finance business,commercial bank,the existence of real eatate finance risk. Commerical bank further improve financial risk management of real estate countermeasures.Keywords: Commercial bank Real estate Financial risk目 录1、商业银行房地产金融风险-----------------------------------------------------------------------51.1房地产金融的含义和特点-----------------------------------------------------------------------51.1.1房地产金融的含义-----------------------------------------------------------------------51.1.2房地产金融的特点-----------------------------------------------------------------------51.2商业银行房地产金融风险的构成及原因-----------------------------------------------------72、襄阳市商业银行房地产金融业务现状及存在的风险----------------------------------------72.1商业银行房地产金融业务现状----------------------------------------------------------------72.1.1房地产业务发展现状-----------------------------------------------------------------------82.1.2商业银行房地产开发贷款业务----------------------------------------------------------92.1.3商业银行房地产个人信贷业务---------------------------------------------------------102.2商业银行房地产金融业务存在的风险-------