本文關(guān)鍵詞：農(nóng)行商品房開(kāi)發(fā)項(xiàng)目貸款貸前調(diào)查階段的風(fēng)險(xiǎn)防范研究　出處：《西南交通大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：2010年以來(lái),中央政府采取多種手段和措施,通過(guò)多輪的宏觀調(diào)控手段促進(jìn)了房?jī)r(jià)合理回歸,促進(jìn)房地產(chǎn)市場(chǎng)的健康發(fā)展。調(diào)控后,房地產(chǎn)市場(chǎng)進(jìn)入明顯的下調(diào)周期,從嚴(yán)的行業(yè)政策加速了房地產(chǎn)的市場(chǎng)變化。國(guó)內(nèi)外經(jīng)濟(jì)的不確定性因素,也給房地產(chǎn)市場(chǎng)的發(fā)展帶來(lái)了一些變數(shù)和不確定性。在當(dāng)前的宏觀政策和經(jīng)濟(jì)環(huán)境下,對(duì)商業(yè)銀行的商品房項(xiàng)目貸款的風(fēng)險(xiǎn)防范的研究具有十分重要的現(xiàn)實(shí)意義。 本文包含四個(gè)部分：第一部分為緒論,對(duì)本文研究的背景及意義,內(nèi)容及思路進(jìn)行闡述。第二部分首先從概念上對(duì)中國(guó)農(nóng)業(yè)銀行(以下簡(jiǎn)稱(chēng)“農(nóng)行”)商品房項(xiàng)目貸款進(jìn)行界定并描述其作用,然后分析了我國(guó)商品房市場(chǎng)的運(yùn)行現(xiàn)狀和發(fā)展趨勢(shì),接著從調(diào)查的內(nèi)容和調(diào)查的要點(diǎn)兩個(gè)方面對(duì)農(nóng)行現(xiàn)行的商品房項(xiàng)目貸款貸前調(diào)查方式進(jìn)行了述評(píng),最后分析了項(xiàng)目貸款的風(fēng)險(xiǎn)和貸前調(diào)查工作的關(guān)聯(lián)性。第三部分分析了農(nóng)行商品房開(kāi)發(fā)項(xiàng)目貸款面臨的主要風(fēng)險(xiǎn)以及風(fēng)險(xiǎn)形成的原因。第四部分則以農(nóng)行實(shí)際運(yùn)作的貸款項(xiàng)目的貸前調(diào)查為例提出了商品房開(kāi)發(fā)項(xiàng)目貸款風(fēng)險(xiǎn)防范的貸前調(diào)查對(duì)策。 通過(guò)分析,發(fā)現(xiàn)農(nóng)行商品房開(kāi)發(fā)項(xiàng)目貸款信貸資金的安全性會(huì)面臨借款人經(jīng)營(yíng)風(fēng)險(xiǎn)、宏觀政策及市場(chǎng)風(fēng)險(xiǎn)、資金監(jiān)管風(fēng)險(xiǎn)、抵押物處置風(fēng)險(xiǎn)、政府不端行為的風(fēng)險(xiǎn)以及自然風(fēng)險(xiǎn)等風(fēng)險(xiǎn)因素的威脅,上述風(fēng)險(xiǎn)因素的出現(xiàn)有可能是基于內(nèi)部原因,也有可能是外部原因,既有貸前調(diào)查不全面的原因,也有貸款發(fā)放中的因素,甚至還有貸后管理不到位的問(wèn)題。本文從農(nóng)行商品房開(kāi)發(fā)項(xiàng)目貸款運(yùn)作的實(shí)例著手,從貸前調(diào)查的角度提出了針對(duì)上述六種風(fēng)險(xiǎn)因素防范的對(duì)策,并給出了具體的貸前調(diào)查建議。
[Abstract]:Since 2010, the central government adopted various means and measures, through several rounds of macro-control means to promote the prices reasonable return, and promote the healthy development of the real estate market. The real estate market regulation, enter the downward cycle, accelerated the changes in the real estate market with the industry policy. The domestic and foreign economic uncertainties. It also brings some variables and uncertainties for the development of the real estate market. In the current macroeconomic policy and economic environment, it is of great significance to research on risk prevention of commercial bank real estate project loans.
This paper consists of four parts: the first part is the introduction, background and significance of this study, content and ideas in this paper. The second part first from the concept of Chinese Agricultural Bank (hereinafter referred to as the "bank") commercial housing project loans to define and describe its role, then analyzes the status and development trend in China the real estate market, then from the two aspects of content and investigation of the current commercial housing project on the bank loan before the survey were reviewed, finally analyzes the relevance of the project loan risk and the loan before the survey work. The third part analyzes the Agricultural Bank of China real estate development projects and the main risk loans the reasons for the formation of risk. The fourth part is to the actual operation of the bank loan project loan before the survey as an example of the proposed real estate development project risk prevention of loan loan before the survey measures.
Through the analysis, the safety of credit funds of bank loans in real estate development projects will face the operation risk, policy risk and market risk, capital risk supervision, the disposal of collateral risk, natural risk and risk factors of government misconduct threats, the risk factors are likely to be based on the internal reasons, there are are the external causes, is investigating the cause of not complete before the loan, there are factors of loans, and even the problem of management is not in place after the loan. The loan from the bank to real estate development projects for the operation, from the investigation before loan puts forward countermeasures for the above six kinds of risk prevention and, given the loan before the survey recommendations.

【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.45

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