基于房地产景气指数的我国房地产贷款风险控制研究1.docVIP

HUNAN UNIVERSITY 毕 业 论 文 论文题目： 基于房地产景气指数的我国房地产贷款风险控制研究 学生姓名： 学生学号： 专业班级： 金融 学院名称： 金融与统计学院 指导老师： 学院院长： 湖 南 大 学 毕业论文原创性声明 本人郑重声明：所呈交的是本人在的指导下独立进行研究所取得的研究成果。除了文中特别加以标注引用的内容外，本不包含任何其他个人或集体已经发表或撰写的成果作品。对本文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。本人完全意识到本声明的法律后果由本人承担。 签名： 日期：本论文作者完全了解学校有关保留、使用的规定，同意学校保留并向国家有关部门或机构送交的复印件和电子版，允许被查阅和借阅。本人授权湖南大学可以将本的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本。 本论文属于 1、保密，在年解密后适用本授权书。 2、不保密 （请在以上相应方框内打“√”） 签名： 日期：师签名： 日期：基于房地产景气指数的我国房地产贷款风险控制研究 摘 要 随着我国国民经济的快速发展与国民收入水平的快速升高，城市化进程的推进，对房地产的需求激增促进了中国房地产业近年来飞速发展，强劲拉动GDP增长，成为国民经济的支柱产业之一。是使商业银行的经营风险极度。开发的全过程，主要发放土地储备贷款、房地产开发贷款及个人住房贷款；有产业链传导和由消费路径、投资路径组成的房价传导两种传导机制；房地产贷款风险预警体系，Based on the real estate boom index of Chinas real estate loan risk control study Abstract Along with the rapid development of Chinas national economy and national income level increases rapidly, urbanization advancement, the real estate surge in demand for the rapid development of Chinas real estate industry in recent years, strong GDP growth in driving, becomes the backbone of the national economy industries. The real estate industry is the capital of intensive; its development relies on bank credit support to commercial banks to spread the business risk of extreme. Through comprehensive analysis, show that the commercial banks involved in real estate development - building - selling the entire process, mainly the distribution of land reserve loans, real estate development loans and individual housing loans; a chain conduction and by the consumption path, the investment component of the price path conduction of two conduction mechanisms; real estate and real estate climate index showed a positive correlation between credit risk; based National Real Estate Index of real estate economic situation and forecasting analysis, proposed to improve Chinas commercial banks to the real estate climate index was based on room real estate loan risk early warning system, strengthening the credit before the credit af