对我国房地产金融风险研究.docxVIP

PAGE \* MERGEFORMAT 1 对我国房地产金融风险的研究 摘 要 在我国，由于融资渠道的单一，使得商业银行成为了房地产金融风险的主要承担者。种种迹象显示，我国的商业银行房地产金融隐藏着重大的风险隐患。历史教训表明：商业银行的房地产金融风险具有极大的危险性，一旦爆发，将迅速波及到整个金融体系乃至影响整个国民经济的稳定和发展。所以要采取积极措施防范房地产金融特别是商业银行的房地产金融风险，这不仅是房地产业和房地产金融业稳定和发展的需要，对整个金融业和国民经济的稳定和发展也至关重要。 本文以房地产金融为对象，试借鉴国内外对房地产金融风险的研究和时间经验，从实例中寻找风险的原因，从而进一步对我国房地产金融风险的研究，并提出了几点防范房地产金融风险的几点建议。 【关键词】：房地产金融，风险，对策 Abstract In China, the?financing channels?of a single,?allowing commercial banks to?real estate finance?has become?the main bearer of?risk. There are signs that?Chinas commercial banks?to hide?the realestate?finance?significant?pot ential risks.?The lessons of history show that:?the risk of?commercial banks,?real estate finance?with a great?risk,?once it started,?would quickly?spread to?the entire financial system and?affect the entire?national economy,?stability and development.?So?to take positive?measures to prevent commercial banks,?real estate finance?in particular,?the risk of?real estate?finance,?real estate and?real estate?is not only?the financial sector?stability and?development needs?of the entire?financial industry?and national economic?stability and?development?of vital important. In this paper, real estate finance for the object and try to learn from the financial risks of real estate research and time to experience, from the instance to find the risk factors, and to further the research of real estate financial risks, and made a few precautions Real Estate?financial risk proposals. 【key words】：estate finance, risk,?response 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc 摘 要 1 HYPERLINK \l _Toc 第一章 绪论 4 HYPERLINK \l _Toc 1.1 研究背景 4 HYPERLINK \l _Toc 1.2 研究的目的和意义 5 HYPERLINK \l _Toc 1.3 国内外的研究状况 PAGEREF _Toc \h 错误！未定义书签。 HYPERLINK \l _Toc 1.4 我国房地产金融发展趋势 6 HYPERLINK \l _Toc 第二章 房地产金融风险的理论综述 7 HYPERLINK \l _Toc 2.1 房地产金融定义及其风险 PAGEREF _Toc \h 错误！未定义书签。 HYPERLINK \l _Toc 2.2 房地产金融风险成因 PAGEREF _Toc \h 错误！未定义书签。 HYPERLINK \l _Toc 2.2.1 房地产泡沫过分膨胀 PAGEREF _Toc \h 错误！未定义书签。 HYPERLIN