立足于风险防范角度探析我国房地产金融的发展
关键词：房地产金融； 风险成因； 风险防范 毕业论文
Abstract
Not only do the risks of real estate finance influence the development stability of real estate industry and related industries, but they also affect the stability and development of the whole national economy system. Nowadays, the real estate industry has become a pillar industry of the national economy in China, so risks of real estate finance are crucial for the stability and development of the whole finance industry and national economy. Therefore, it is necessary and meaningful to do sufficient research and analysis on risks of real estate finance. Based on this, in order to provide guidance for the development of real estate industry and effectively guard against and eliminate risks, this dissertation will illustrate the definition and causes of real estate risks and then, according to relevant economy theory and marketing operation, give some strategies which are about avoiding real estate risks. It may help to eliminate risks and offer a reference to finance industry or other stakeholder groups.
Key words：Real estate finance；Causes of risks；Risk prevention
目 录
摘 要Ⅰ
AbstractⅡ
一、文献综述1
㈠ 国外研究现状1
㈡ 国内研究现状2
二、房地产金融及房地产金融风险基本理论3
㈠ 房地产金融风险的概念3
㈡ 房地产金融风险的分类3
㈢ 房地产金融风险的监测4
三、我国房地产金融风险现状的分析8
㈠ 相关法律法规不健全，监管机制体制不完善8
㈡ 房地产融资渠道单一，过度依赖银行8
㈢ 商业银行自身管理存在缺陷9
㈣ 房地产市场参与者行为不规范9
四、我国房地产金融风险防范的对策建议9
㈠ 加强产业政策制定和落实9
㈡ 拓宽房地产企业融资渠道，实现融资结构多元化10
㈢ 商业银行应加强自身管理10
㈣ 加强信用建设，提高防范金融风险的能力10
注 释12
参考文献12
立足于风险防范角度探析我国房地产金融的发展
我国房地产金融业务的发展较晚，但近年来，我国房地产金融得到了日新月异的发展，但房地产金融风险也随之而来。迄今，我国还未真正建立起一整套成体系的房地产金融政策，并且我国的房地产金融政策还未能相对独立地从经济政策中分离出来，因此每次房地产市场调控实质上都只是在宏观经济"大调控"背景下进行产业性配合，而非真正意义的楼市调控。因此，分析我国房地产金融风险并提出相关防范风险的策略对我国房地产的健康可持续发展起着十分重要的作用。
二、房地产金融及房地产金融风险基本理论
㈠ 房地产金融风险的概念
房地产金融风险是指银行为房地产业提供资金的筹集、融通、清算等金融服务活动中，由于各种事先无法预料(即不确定)因素的影响，使银行的实际收益与预期收益发生背离，从而蒙受经济损失的可能性。即房地产作为一种有形资本在金融信贷扩张的推动下出现了货币价格大幅上升，并在进一步的流通运动中因为宏观、微观经济环境的不确定或信息不完全的情况下导致了未来房地产资产的货币价格出现积极下跌，从而产生了经济损失。
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