本文關鍵詞：農(nóng)行商品房開發(fā)項目貸款貸前調(diào)查階段的風險防范研究　出處：《西南交通大學》2013年碩士論文　論文類型：學位論文

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【摘要】：2010年以來,中央政府采取多種手段和措施,通過多輪的宏觀調(diào)控手段促進了房價合理回歸,促進房地產(chǎn)市場的健康發(fā)展。調(diào)控后,房地產(chǎn)市場進入明顯的下調(diào)周期,從嚴的行業(yè)政策加速了房地產(chǎn)的市場變化。國內(nèi)外經(jīng)濟的不確定性因素,也給房地產(chǎn)市場的發(fā)展帶來了一些變數(shù)和不確定性。在當前的宏觀政策和經(jīng)濟環(huán)境下,對商業(yè)銀行的商品房項目貸款的風險防范的研究具有十分重要的現(xiàn)實意義。 本文包含四個部分：第一部分為緒論,對本文研究的背景及意義,內(nèi)容及思路進行闡述。第二部分首先從概念上對中國農(nóng)業(yè)銀行(以下簡稱“農(nóng)行”)商品房項目貸款進行界定并描述其作用,然后分析了我國商品房市場的運行現(xiàn)狀和發(fā)展趨勢,接著從調(diào)查的內(nèi)容和調(diào)查的要點兩個方面對農(nóng)行現(xiàn)行的商品房項目貸款貸前調(diào)查方式進行了述評,最后分析了項目貸款的風險和貸前調(diào)查工作的關聯(lián)性。第三部分分析了農(nóng)行商品房開發(fā)項目貸款面臨的主要風險以及風險形成的原因。第四部分則以農(nóng)行實際運作的貸款項目的貸前調(diào)查為例提出了商品房開發(fā)項目貸款風險防范的貸前調(diào)查對策。 通過分析,發(fā)現(xiàn)農(nóng)行商品房開發(fā)項目貸款信貸資金的安全性會面臨借款人經(jīng)營風險、宏觀政策及市場風險、資金監(jiān)管風險、抵押物處置風險、政府不端行為的風險以及自然風險等風險因素的威脅,上述風險因素的出現(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題。本文從農(nóng)行商品房開發(fā)項目貸款運作的實例著手,從貸前調(diào)查的角度提出了針對上述六種風險因素防范的對策,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.

【學位授予單位】：西南交通大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.45

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