本文關(guān)鍵詞：房地產(chǎn)抵押價值評估問題研究　出處：《河北經(jīng)貿(mào)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：伴隨著我國改革開放的深入，我國社會主義市場經(jīng)濟有了迅猛的發(fā)展。以產(chǎn)權(quán)清晰的資產(chǎn)作抵押來獲取所需要的資金已成為市場經(jīng)濟主體的一項不可缺少的融資方式（而房地產(chǎn)抵押就占據(jù)了貸款總額的16%），這也是融資方與銀行之間業(yè)務(wù)往來的重要內(nèi)容。最近幾年，有很大一部分房地產(chǎn)抵押貸款在抵押仍然有效的情況下也變成了不良貸款，這些問題的出現(xiàn)已經(jīng)對我國的金融環(huán)境造成了不好的影響，它影響到我國經(jīng)濟的長久持續(xù)穩(wěn)定發(fā)展,因此這個問題不能不引起我們的重視，它值得我們?nèi)プ龈钊氲奶接懪c研究。雖然形成不良貸款的成因有許多種，然而評估師對于抵押資產(chǎn)的價值進行過高的評估已經(jīng)成了房地產(chǎn)抵押資產(chǎn)變現(xiàn)清償比率較低的一個重要原因。以房地產(chǎn)為抵押資產(chǎn)的抵押價值評估所產(chǎn)生的質(zhì)量問題已經(jīng)引起了社會各界的廣泛關(guān)注，，成為資產(chǎn)評估領(lǐng)域的一個熱點問題。本篇文章主要是從房地產(chǎn)抵押價值評估的相關(guān)基本理論、基本原則，以及銀行如何運用價值評估報告等方面對房地產(chǎn)抵押價值評估有關(guān)問題進行討論，進而通過對房地產(chǎn)抵押價值評估的特性分析找出此領(lǐng)域相關(guān)規(guī)律，進而使我國房地產(chǎn)抵押價值評估更加準(zhǔn)確、公正、合理化。 此文主要內(nèi)容是對業(yè)內(nèi)還沒有達成統(tǒng)一的有關(guān)問題，如抵押資產(chǎn)價值的定義、價值類型的確認、估價期日等，按照自己的認識給與了確定；依照行業(yè)內(nèi)評估實踐操作中的相關(guān)思路對房地產(chǎn)抵押價值評估中的問題進行了分析。如在相關(guān)問題的合法性方面了解的不夠充分，在房地產(chǎn)抵押價值評估過程中對有關(guān)資料的搜索、分類、整理的不合理及不充分，評估師的理論基礎(chǔ)、評估實踐以及道德素質(zhì)低下，評估后期撰寫的評估報告質(zhì)量較次，以及對評估報告的使用方式有誤等。結(jié)合有關(guān)案例,在對上述問題進行深入分析的基礎(chǔ)上，提出自己的見解和建議。 文章的結(jié)構(gòu)如下： 第一章首先針對房地產(chǎn)抵押價值評估研究的有關(guān)背景及相關(guān)意義進行說明,并對國內(nèi)外的研究現(xiàn)狀以及本文的研究思路和研究方法進行論述。 第二章針對房地產(chǎn)抵押價值評估的有關(guān)基本概念進行界定,重點是對抵押資產(chǎn)價值的有關(guān)概念進行探討,包含有抵押資產(chǎn)價值的定義、房地產(chǎn)抵押評估的有關(guān)時點問題等,并對其做出了有關(guān)確認。 第三章就房地產(chǎn)抵押價值評估的相關(guān)現(xiàn)狀進行了分析，并在此基礎(chǔ)上針對房地產(chǎn)抵押價值評估中存在的有關(guān)問題進行了陳述。 第四章對第三章提出的房地產(chǎn)抵押價值評估中存在問題進行分析，并指出產(chǎn)生問題的原因。 第五章依據(jù)上面所做的分析,從房地產(chǎn)抵押價值評估的相關(guān)法律法規(guī)制度方面、行業(yè)的從業(yè)人員的進入要求、繼續(xù)教育等方面給出某些行之有效的建議。 第六章是結(jié)論�？偨Y(jié)全文，對本文的相關(guān)研究工作進行一個總的概述，同時對房地產(chǎn)抵押價值評估的未來進行了展望。
[Abstract]:Along with the deepening of reform and opening-up, China's socialist market economy has made rapid development. An important property rights in order to clear the assets as collateral to obtain the required funds have become the main body of the market economy financing (and real estate mortgage loans accounted for 16% of the total), which is an important content of financing business dealings between the parties and the bank. In recent years, a large part of the real estate mortgage loans in the still valid case has become non-performing loans, caused by the bad influence of these problems has been on China's financial environment, it affects China's economic long-term sustainable and stable development, therefore this problem can cause our attention, it is worth us to do a further research. Although the causes of the formation of non-performing loans has many kinds, but the value of the assets appraiser for mortgage High evaluation has become a real estate mortgage assets is an important reason why the solvency ratio is low. In the real estate mortgage assets value assessment of quality problems arising has attracted wide attention from all sectors of society, become a hot problem in the field of asset evaluation. This article is mainly related to the basic the theory of evaluation from the real estate collateral value of the basic principles, and how to use the bank value assessment report was discussed on the value of real estate collateral assessment of the problem, and then through the analysis to identify the relevant laws in the field of performance evaluation of the value of real estate collateral, thereby enabling assessment of China's real estate mortgage value is more accurate, fair and reasonable..
The main contents of this paper are the problems related to the industry have not reached a unified definition, such as mortgage asset value, confirming the value type, valuation date, in accordance with their own understanding to determine; assessment in accordance with the related ideas in operation practice has carried on the analysis to the real estate collateral value assessment problems in the industry. Such as the legitimacy problem in the aspect of understanding is not sufficient, in the assessment of the value of real estate collateral in the process of information search, classification, sorting the unreasonable and inadequate theoretical basis, assessment division, evaluation practice and moral quality is low, the late evaluation assessment report writing quality is inferior, and the evaluation report of the use of the wrong way. Based on the case studies, based on the in-depth analysis of the problems and put forward their own views and suggestions.
The structure of the article is as follows:
In the first chapter, we first introduce the background and significance of real estate mortgage value assessment, and discuss the research status and the research ideas and research methods at home and abroad.
The second chapter defines the basic concepts of real estate mortgage valuation. The key point is to discuss the related concepts of mortgage assets value, including the definition of mortgage assets value, the time related issues of real estate mortgage assessment, and so on.
The third chapter analyzes the current situation of real estate mortgage value evaluation, and on this basis, it gives some statements about the problems existing in the valuation of real estate mortgage.
The fourth chapter analyzes the problems in the evaluation of the value of real estate mortgage in the third chapter, and points out the reasons for the problem.
The fifth chapter, based on the above analysis, gives some effective suggestions from the relevant laws and regulations of the real estate mortgage valuation, the entry requirements of the practitioners in the industry, and continuing education.
The sixth chapter is the conclusion, summarizing the full text, making a general overview of the relevant research work in this paper, and looking forward to the future of the real estate mortgage value evaluation.

【學(xué)位授予單位】：河北經(jīng)貿(mào)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F299.23;F832.45

【引證文獻】

相關(guān)期刊論文 前1條

1 王彥龍;;土地抵押評估中常見問題及其改進建議[J];現(xiàn)代經(jīng)濟信息;2016年03期

相關(guān)碩士學(xué)位論文 前2條

1 董東亞;商業(yè)地產(chǎn)抵押價值評估方法及其應(yīng)用研究[D];北京交通大學(xué);2015年

2 閻宏宇;基于假設(shè)開發(fā)法的在建工程抵押價值評估研究[D];云南大學(xué);2015年

本文編號：1401137