本文選題：房地產(chǎn)調(diào)控 + 商業(yè)銀行　； 參考：《東北師范大學(xué)》2012年碩士論文

【摘要】：房地產(chǎn)業(yè)是典型的資金密集型行業(yè)，但由于我國現(xiàn)階段房地產(chǎn)金融市場體系尚不完善，房地產(chǎn)金融市場依然延續(xù)著商業(yè)銀行信貸主導(dǎo)的格局。房地產(chǎn)金融市場過分依賴商業(yè)銀行貸款資金供給和銀行信貸資金占房地產(chǎn)企業(yè)資金來源比例較高，加大了商業(yè)銀行系統(tǒng)風(fēng)險，導(dǎo)致房地產(chǎn)市場受信貸政策變動影響巨大。2010年以來，為抑制房價過快上漲，政府出臺了密集且嚴(yán)厲的緊縮性調(diào)控政策，希望通過一段時間的調(diào)整來充分釋放房地產(chǎn)價格上漲過快及信貸投放過大帶來的各種市場風(fēng)險。然而，對于商業(yè)銀行來說，，房地產(chǎn)信貸擴(kuò)張已經(jīng)積累了較大風(fēng)險，一旦房地產(chǎn)價格出現(xiàn)大幅回落，各種隱藏的房地產(chǎn)信貸風(fēng)險將逐漸暴露，威脅商業(yè)銀行資產(chǎn)質(zhì)量。因此，在當(dāng)前緊縮性房地產(chǎn)調(diào)控政策下，對商業(yè)銀行房地產(chǎn)信貸風(fēng)險進(jìn)行研究，提前做好防范和控制風(fēng)險的準(zhǔn)備，具有重要的理論和現(xiàn)實意義。 本文共分六章：第一章介紹了選題的背景和意義，總結(jié)和回顧了國內(nèi)外學(xué)者關(guān)于房地產(chǎn)信貸風(fēng)險的研究成果及現(xiàn)狀，并通過分析找到本文切入點(diǎn)。第二章分析了房地產(chǎn)信貸風(fēng)險相關(guān)理論，主要有房地產(chǎn)泡沫理論、信息不對稱理論和金融脆弱性理論，作為全文的理論基石。第三章對我國房地產(chǎn)信貸發(fā)展階段進(jìn)行了劃分，并對我國房地產(chǎn)信貸業(yè)務(wù)現(xiàn)狀進(jìn)行了深入研究。第四章主要研究了現(xiàn)階段我國商業(yè)銀行房地產(chǎn)信貸面臨的主要風(fēng)險。第五章是在上述幾個章節(jié)分析的基礎(chǔ)上，建立VAR模型，從實證角度分析房地產(chǎn)信貸風(fēng)險的影響因素及作用大小。第六章提出了防范我國商業(yè)銀行房地產(chǎn)信貸風(fēng)險的政策建議，希望為商業(yè)銀行充分認(rèn)識現(xiàn)有房地產(chǎn)信貸風(fēng)險和防范、化解房地產(chǎn)信貸風(fēng)險提供有益警示。
[Abstract]:The real estate industry is a typical capital-intensive industry, but because the real estate financial market system of our country is not perfect at present, the real estate financial market still continues the pattern of commercial bank credit leading. The excessive dependence of the real estate financial market on the supply of loan funds from commercial banks and the high proportion of bank credit funds in the capital sources of real estate enterprises have increased the risks in the commercial banking system. The real estate market has been heavily affected by changes in credit policy. Since 2010, the government has introduced intensive and strict tightening policies to curb the excessive rise in house prices. Through a period of adjustment to fully release the real estate prices rise too fast and credit too large to bring about a variety of market risks. However, for commercial banks, real estate credit expansion has accumulated a large risk, once the real estate prices have dropped sharply, all kinds of hidden real estate credit risk will be exposed gradually, threatening the asset quality of commercial banks. Therefore, it is of great theoretical and practical significance to study the real estate credit risk of commercial banks under the current contractionary real estate regulation and control policy, and to prepare for the prevention and control of the risk in advance. This paper is divided into six chapters: the first chapter introduces the background and significance of the topic, summarizes and reviews the domestic and foreign scholars on real estate credit risk research results and current situation, and through analysis to find the breakthrough point of this article. The second chapter analyzes the theory of real estate credit risk, including the theory of real estate bubble, the theory of information asymmetry and the theory of financial vulnerability. The third chapter divides the development stage of real estate credit in our country, and deeply studies the present situation of real estate credit business in our country. The fourth chapter mainly studies the main risks of real estate credit of commercial banks in China. The fifth chapter is based on the analysis of the above chapters, establish VAR model, from the perspective of empirical analysis of the impact of real estate credit risk and the size of the role. The sixth chapter puts forward the policy suggestions to guard against the real estate credit risk of commercial banks in China, hoping to provide a useful warning for commercial banks to fully understand and guard against the existing real estate credit risks and to resolve the real estate credit risks.
【學(xué)位授予單位】：東北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F293.3;F832.4

【引證文獻(xiàn)】

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