發(fā)布時(shí)間：2019-06-27 11:26

【摘要】：20世紀(jì)80年代中后期，我國(guó)房地產(chǎn)市場(chǎng)進(jìn)入了初步發(fā)展階段。隨著房地產(chǎn)相關(guān)制度的改革、人民生活水平的提高，1998年以后房地產(chǎn)投資平穩(wěn)、發(fā)展迅速并逐步成為國(guó)民經(jīng)濟(jì)的支柱產(chǎn)業(yè)之一，2011年投資完成額已是1998年的七倍。但是在房地產(chǎn)業(yè)快速發(fā)展的同時(shí)也出現(xiàn)了房屋價(jià)格過(guò)快上漲、競(jìng)爭(zhēng)過(guò)度、銀行信貸風(fēng)險(xiǎn)增加等現(xiàn)象，特別是2008年美國(guó)金融危機(jī)更使人們意識(shí)到房地產(chǎn)發(fā)展過(guò)程中伴隨著巨大的金融風(fēng)險(xiǎn)。 北京市作為全國(guó)經(jīng)濟(jì)發(fā)展最快的城市之一，房地產(chǎn)市場(chǎng)在過(guò)去五年里先后經(jīng)歷了量?jī)r(jià)齊升、回調(diào)、再爆發(fā)的大幅波動(dòng)，土地儲(chǔ)備、房地產(chǎn)開發(fā)、個(gè)人住房按揭貸款等方面都反映出了房地產(chǎn)金融市場(chǎng)存在風(fēng)險(xiǎn)。因此，分析北京市房地產(chǎn)及其金融市場(chǎng)的發(fā)展現(xiàn)狀和風(fēng)險(xiǎn)防范措施對(duì)北京乃至全國(guó)經(jīng)濟(jì)發(fā)展有著重要的意義。 本文共分五章。第一章為引言，闡述了論文的研究背景、意義和方法，重點(diǎn)總結(jié)了國(guó)內(nèi)外學(xué)者和專家對(duì)房地產(chǎn)金融市場(chǎng)風(fēng)險(xiǎn)的研究?jī)?nèi)容和成果。第二章首先對(duì)房地產(chǎn)金融市場(chǎng)及其風(fēng)險(xiǎn)進(jìn)行了界定和特征分析，從理論角度分析了房地產(chǎn)金融市場(chǎng)風(fēng)險(xiǎn)的六大成因。第三章首先回顧了北京市房地產(chǎn)業(yè)發(fā)展的現(xiàn)狀，包括土地購(gòu)置開發(fā)、房地產(chǎn)供給與需求；然后主要通過(guò)充分的統(tǒng)計(jì)數(shù)據(jù)從購(gòu)房者、房地產(chǎn)開發(fā)企業(yè)、金融機(jī)構(gòu)和政策調(diào)控四個(gè)方面分析了北京市房地產(chǎn)金融市場(chǎng)的運(yùn)行和風(fēng)險(xiǎn)。第四章總結(jié)了美國(guó)、日本等國(guó)家房地產(chǎn)金融市場(chǎng)發(fā)展和應(yīng)對(duì)風(fēng)險(xiǎn)的措施。最后一章為北京市房地產(chǎn)金融市場(chǎng)提出了發(fā)展思路和建議。
[Abstract]:In the middle and late 1980s, China's real estate market has entered a preliminary stage of development. With the reform of the real estate related system and the improvement of the people's living standard, the real estate investment after 1998 is stable, the development is rapid and gradually becomes one of the pillar industries of the national economy, and the investment completion amount in 2011 has been seven times in 1998. But in the rapid development of the real estate industry, the phenomenon of the rapid rise of the house price, the excessive competition, the increase of the credit risk of the bank and the like, in particular the financial crisis of the United States in 2008, have made it more aware that the real estate development is accompanied by huge financial risks. As one of the fastest-growing cities in the country, the real estate market in the past five years has experienced a significant fluctuation in the quantity and price, the call-back and the re-emergence of the land, the land reserve, the real estate opening, The development of real estate financial market is reflected in the aspects of issuing, personal housing mortgage loan, etc. Therefore, it is important to analyze the development of Beijing real estate and its financial market and the risk prevention measures to the economic development of Beijing and even the whole country A total of The first chapter is the introduction, expounds the research background, meaning and method of the thesis, and summarizes the research contents of domestic and foreign scholars and experts on the risk of real estate financial market The second chapter firstly defines and analyzes the real estate financial market and its risk, and analyzes the six risks of the real estate financial market from the theoretical angle. The third chapter first reviews the current situation of the development of real estate in Beijing, including the acquisition and development of land, the supply and demand of real estate, and then from the home buyers and the real estate through the full statistical data. The operation of the real estate financial market in Beijing is analyzed in four aspects: the enterprise, the financial institution and the policy control Chapter 4 summarizes the development and response risk of the real estate market in the United States, Japan and other countries The last chapter is the development of the real estate financial market in Beijing.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.7;F293.3

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本文編號(hào)：2506747