房地產(chǎn)信貸的風(fēng)險(xiǎn)分析和防范對(duì)策-展示頁(yè)
2025-08-04 21:01本頁(yè)面
【正文】 2國(guó)外研究綜述 2國(guó)內(nèi)研究綜述 22 房地產(chǎn)信貸風(fēng)險(xiǎn) 3（一）房地產(chǎn)現(xiàn)狀概述 3（二）信貸風(fēng)險(xiǎn) 6風(fēng)險(xiǎn)概述 6風(fēng)險(xiǎn)的種類 6（三）產(chǎn)生風(fēng)險(xiǎn)的原因 7信息不對(duì)稱引發(fā)潛在的危機(jī) 7房地產(chǎn)企業(yè)過(guò)于依賴銀行的資金投入 8監(jiān)管不夠，違規(guī)經(jīng)營(yíng)現(xiàn)象時(shí)有發(fā)生 9房地產(chǎn)泡沫帶動(dòng)泡沫，面臨破裂的危險(xiǎn) 9“先租后抵”導(dǎo)致銀行難以處理房產(chǎn) 11抵押物的處置不當(dāng) 11 評(píng)估機(jī)構(gòu)不規(guī)范 123 防范對(duì)策 12（一）拓寬房地產(chǎn)企業(yè)融資渠道 12（二）改革目前的房貸評(píng)估系統(tǒng) 12（三）建立健全的個(gè)人信用評(píng)級(jí)體系 13（四）銀行應(yīng)當(dāng)考慮擁有自己的房產(chǎn)評(píng)估師 13（五）加強(qiáng)抵押物價(jià)值管理，做好抵押登記 13參考文獻(xiàn) 141 導(dǎo)論（一）選題背景及意義近年來(lái)，隨著城鎮(zhèn)住房制度改革深入推進(jìn)，住房建設(shè)投資擴(kuò)張趨勢(shì)明顯，住房消費(fèi)的需求也日益增加，房地產(chǎn)市場(chǎng)呈現(xiàn)出前所未見的繁榮，進(jìn)而帶動(dòng)了商業(yè)銀行房地產(chǎn)信貸業(yè)務(wù)的發(fā)展。 capital of real estate.In recent years the real estate industry status, will be discussed between the financial sector and real estate industry, the influence of Banks in the field of real estate loan risk classification and risk analysis, as well as the causes, influence factors, so as to find ways to improve, to some controllable risk prevent measures are put forward.Key words: property。s world, vigorously develop the real estate credit business can improve people39。本文將論述近年來(lái)的房地產(chǎn)行業(yè)狀況，金融業(yè)與房地產(chǎn)業(yè)之間的影響，銀行在房地產(chǎn)貸款方面的風(fēng)險(xiǎn)類別及風(fēng)險(xiǎn)分析，以及產(chǎn)生的原因，影響因素，從而找尋改善的方法，對(duì)一些可控風(fēng)險(xiǎn)提出防范措施。由于房?jī)r(jià)持續(xù)上漲，一些問(wèn)題變得更加顯著，增加了人們的擔(dān)心。商品房的價(jià)格穩(wěn)定攀升，大量的社會(huì)資金成為購(gòu)房投資的一部分。 房地產(chǎn)信貸的風(fēng)險(xiǎn)分析和防范對(duì)策研究中文摘要房地產(chǎn)信貸是當(dāng)今世界最為活躍的傳統(tǒng)業(yè)務(wù)之一，大力發(fā)展房地產(chǎn)信貸業(yè)務(wù)能夠改善人們的生活質(zhì)量，也能夠緩解新一批就業(yè)者面臨的買房壓力。隨著全球銀行業(yè)競(jìng)爭(zhēng)加劇，各大銀行開始把信貸業(yè)務(wù)作為業(yè)務(wù)和利潤(rùn)的穩(wěn)定增長(zhǎng)點(diǎn)，帶動(dòng)房地產(chǎn)業(yè)的發(fā)展。住房商品化產(chǎn)生的問(wèn)題也隨之而來(lái)。房地產(chǎn)業(yè)在住房商品化的過(guò)程當(dāng)中，并未完全打開房地產(chǎn)的融資渠道，房地產(chǎn)對(duì)銀行資金的依賴程度過(guò)高。關(guān)鍵詞：房地產(chǎn)泡沫；資金依賴；融資渠道Real estate credit risk analysis and prevention countermeasuresAbstractReal estate credit is one of the most active of the traditional business in today39。s quality of life, also can alleviate the pressure of the a new batch of workers faced to buy a the global banking industry petition, Banks began to put the credit business as a business of steady growth and profits, giving impetus to the development of the real estate housing price stability, a lot of social capital to bee part of the housing problem of housing mercialization is followed.As house prices continue to rise, some problems bee more pronounced, increased the real estate industry in the process of housing mercialization, has not fully open r
物理相關(guān)推薦
鄂ICP備17016276號(hào)-1