本文選題：房地產(chǎn)金融 + 金融房地產(chǎn)化��； 參考：《河北大學(xué)》2012年碩士論文

【摘要】：自1998年我國住房體制改革，推行商品化住宅房后，我國的房地產(chǎn)業(yè)進(jìn)入了10余年的高速發(fā)展階段。如今，房地產(chǎn)業(yè)已成為我國經(jīng)濟(jì)的支柱性產(chǎn)業(yè)，它產(chǎn)業(yè)鏈長，關(guān)聯(lián)產(chǎn)業(yè)多，近些年房地產(chǎn)開發(fā)投資年增長率一直保持在20%以上，為我國經(jīng)濟(jì)的持續(xù)高速增長做出了很高的貢獻(xiàn)。但我國的房地產(chǎn)金融發(fā)展比較晚，發(fā)展程度也比較低，，存在著諸多問題：整個房地產(chǎn)開發(fā)和銷售的各個環(huán)節(jié)都過多的依賴于商業(yè)銀行的貸款；商業(yè)銀行的經(jīng)營管理、風(fēng)險管理不科學(xué)；政府的宏觀調(diào)控政策不及時等。這些都給我國的房地產(chǎn)金融帶來了巨大的潛在風(fēng)險，鑒于亞洲金融危機(jī)以及美國次貸危機(jī)的巨大的破壞力，我們要對這些潛在的金融風(fēng)險給予足夠的重視。 那么，我國現(xiàn)階段的房地產(chǎn)金融風(fēng)險與外國的風(fēng)險有何不同之處，對于這些房地產(chǎn)金融風(fēng)險到底該采取什么樣的對策呢？本文便是在上述背景下試圖解決這兩個問題。 本文首先從房地產(chǎn)、房地產(chǎn)金融、房地產(chǎn)金融風(fēng)險等基本概念入手，通過我國金融業(yè)對房地產(chǎn)業(yè)依賴程度的指標(biāo)體系和數(shù)據(jù)分析，揭示我國金融房地產(chǎn)化的變動軌跡，然后通過借鑒美國和日本兩個國家對房地產(chǎn)金融風(fēng)險以及由房地產(chǎn)引發(fā)的金融危機(jī)的評價研究和防范的具體分析，并重點研究我國房地產(chǎn)金融風(fēng)險的形成及特點，最后在分析風(fēng)險成因的基礎(chǔ)上，著重從建立健全法律法規(guī)環(huán)境；加強(qiáng)商業(yè)銀行自身的經(jīng)營和風(fēng)險管理；監(jiān)管部門加強(qiáng)金融監(jiān)管力度；政府加強(qiáng)對房地產(chǎn)宏觀調(diào)控的力度等方面提出適合我國房地產(chǎn)金融風(fēng)險防范和控制的方法和對策。
[Abstract]:Since the reform of housing system in China in 1998 and the implementation of commercialized housing, the real estate industry in China has entered a period of rapid development for more than 10 years.Nowadays, the real estate industry has become the pillar industry of our country's economy, its industry chain is long, the related industry is many, the annual growth rate of the real estate development investment has been kept above 20% in recent years, which has made the very high contribution to the sustained and high speed growth of our country's economy.However, the development of real estate finance in our country is relatively late, and the degree of development is relatively low. There are many problems: the whole real estate development and sales are too much dependent on the loans of commercial banks, and the management of commercial banks,The risk management is not scientific; the government's macro-control policy is not in time.All these bring huge potential risks to the real estate finance of our country. In view of the great destructive power of the Asian financial crisis and the American subprime mortgage crisis, we should pay enough attention to these potential financial risks.So, what is the difference between the financial risk of real estate in our country and that of foreign countries, and what kind of countermeasures should be taken to deal with the financial risk of real estate?This paper tries to solve these two problems under the above background.This paper starts with the basic concepts of real estate, real estate finance, real estate financial risk and so on, through the index system and data analysis of the degree of dependence of our financial industry on real estate, it reveals the changing track of financial real estate in our country.Then, by referring to the evaluation and analysis of the real estate financial risk and the financial crisis caused by the real estate in the United States and Japan, the paper focuses on the formation and characteristics of the real estate financial risk in our country.Finally, on the basis of analyzing the causes of risk, the author puts emphasis on establishing and perfecting the environment of laws and regulations; strengthening the management and risk management of commercial banks;The government should strengthen the macro-control of real estate and put forward the methods and countermeasures suitable for the prevention and control of real estate financial risks in our country.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F293.3;F832.3

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