房地产金融风险实证研究论文论文.docVIP

度方法进行了介绍。本文随后阐述了对房地产金融风险测度的方法的选择 原因和具体方法。在实证分析中，首先确定了分析判断我国房地产金融风 险的一组指标，通过功效函数将不同量纲的各指标实际值转化为无量纲的 功效系数，然后将同度量的功效系数综合起来，得到综合评价值即房地产 金融风险预警系数，以此作为判断我国房地产金融风险的依据。最后在得 出我国当前房地产市场存在一定金融风险的结论后，详细地分析了当前我 国房地产金融风险的形成原因和相应的政策建议。 本文从理论和实践都说明了我国当前房地产金融风险的状况，同时， 相应地提出了一些治理对策，这为如何消除我国当前的房地产金融风险和 促进房地产市场的健康发展，提出了一个新的思路。  【关键词】 房地产  金融风险  实证研究  Abstract At the beginning of 1990s, the b eakdown of Japanese real estate 6 度方法进行了介绍。本文随后阐述了对房地产金融风险测度的方法的选择 原因和具体方法。在实证分析中，首先确定了分析判断我国房地产金融风 险的一组指标，通过功效函数将不同量纲的各指标实际值转化为无量纲的 功效系数，然后将同度量的功效系数综合起来，得到综合评价值即房地产 金融风险预警系数，以此作为判断我国房地产金融风险的依据。最后在得 出我国当前房地产市场存在一定金融风险的结论后，详细地分析了当前我 国房地产金融风险的形成原因和相应的政策建议。 本文从理论和实践都说明了我国当前房地产金融风险的状况，同时， 相应地提出了一些治理对策，这为如何消除我国当前的房地产金融风险和 促进房地产市场的健康发展，提出了一个新的思路。  【关键词】 房地产  金融风险  实证研究  Abstract At the beginning of 1990s, the b eakdown of Japanese real estate 6 economic bubble had directly lead to the depression of its economy. In 1997, the economic crisis happened in Southeast Asian have done great damages not only to the economies of those Southeast Asian Nations but also to the global economy. According to the researches of the Financial crisis of Japan and Southeast Asian, the viewpoint that the real estate was one of the main carriers of the Financial crisis of bubble economy have already been generally acknowledged. In China, the real estate bubble incident happened in Hainan province from 1992 to 1993, which Led to serious bank financial crisis,have had a great negative influence on the real estate of Hainan and that of all the country . At present, the study on real estate financial risk of our country has already attracted an extensive attention, because both scholars and government officers is showing great worries to the investment upsurge and price booming of our real estate market. At the beginning of the 1990s, the real estate financial risk studies were mainly focused on economic theory and qualitative analysis, and, these researches mainly introduced the foreign financial risk mathematical model