房地产抵押评估风险分析与防范-金融学专业论文.docxVIP

Mortgage Appraisal of Real Estate and Risk Precaution A Dissertation Submitted for the Degree of Master Candidate：Ding Panpan Supervisor：Prof.Zhang Jianbin Chang’an University, Xi’an, China 摘 要 随着房地产行业的逐步发展，银行采用抵押房地产的方式向房地产行业注入 的信贷资金逐年增加。为了确定出适宜的贷款额度，对抵押房地产的评估则显得 极其的重要。同时，安全性作为金融机构经营的原则之一，如何降低抵押房地产 评估风险是保障其安全性的不可忽视的重要渠道之一。抵押房地产评估的规范性 操作不仅仅为房地产行业与金融行业架起了一座连接的桥梁，还对房地产市场秩 序和金融秩序发挥着积极的维护作用。对抵押房地产评估风险的防范以及如何解 决目前评估机构在风险防范中存在的问题成为目前重要的研究课题之一。 本文分析了目前我国抵押房地产评估风险的管理现状，指出了抵押房地产评 估中存在的问题，从理论上对于抵押房地产评估风险的特征和形成机制做了一个 较为全面的阐述和分析；从风险识别、风险估计、风险评价方面对于风险进行分 析；对于风险管理的风险规划、风险控制和风险监督三个阶段进行了研究，同时 结合具体的抵押房地产评估案例，对其进行风险分析并给出了风险防范的几点建 议，使其具有一定的理论意义和现实意义。 本文针对抵押房地产评估风险的形成体制，提出了防范措施。特别针对抵押 房地产评估的程序提出了防范和规避风险的建议，对于客户资信和盈利的前景进 行了具体分析,进而更好的规避风险的存在。在防范措施中建议评估者把握房地 产价格的波动规律，提高评估值的准确性，降低风险发生的概率。 关键词：抵押房地产评估、形成机制、风险评价、风险管理、风险防范 I Abstract With the gradual development of the real estate industry, the current bank adopts way into real estate mortgage evaluation to a mortgage credit scale has expanded year after year. In order to determine the appropriate amount, the mortgage of estate evaluation is particularly important. At the same time, security is one of the main principles in the business of financial organization. Of all the risks in real estate mortgage loans which financial organization provides, risk of appraisal is the one that can’t be ignored. Normative assessment of the real estate mortgage operations has set up a bridge connection for real estate and financial services industry, to play an active role on maintaining the real estate market and financial order. So the prevention of risk for the mortgaged real estate, how to solve the current appraisal institutions has become a very important researched subject at present. This paper analyzes the current status for the mortgaged real estate appraisal risk management in China, points out the problems existing in the mortgaged real estate appraisal, and analyzes the characteristics and the formation mechanism of the mortgaged real estate ap