本文關(guān)鍵詞： 房地產(chǎn)抵押評(píng)估 收益法 時(shí)代大廈 凈收益 折現(xiàn)率　出處：《湖南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國(guó)社會(huì)主義市場(chǎng)經(jīng)濟(jì)的發(fā)展和金融體制的改革，我國(guó)國(guó)有商業(yè)銀行從過去的以信用貸款為主的模式轉(zhuǎn)向了以抵押貸款為主的模式。通過資產(chǎn)抵押來融通資金成為了銀行業(yè)、資金需求方之間業(yè)務(wù)往來的重要內(nèi)容。抵押貸款制度已成為商業(yè)銀行保全資產(chǎn)、防范風(fēng)險(xiǎn)及風(fēng)險(xiǎn)緩釋的重要舉措。抵押資產(chǎn)價(jià)值評(píng)估也成為了客觀需要，它對(duì)維護(hù)金融機(jī)構(gòu)信貸資產(chǎn)安全和維護(hù)金融市場(chǎng)的健康發(fā)展發(fā)揮了重要作用。對(duì)于房地產(chǎn)抵押價(jià)值評(píng)估，特別是收益性房地產(chǎn)，收益法是首選的、不可或缺的評(píng)估方法。如何把握收益法的運(yùn)用過程中對(duì)凈收益和折現(xiàn)率這兩個(gè)參數(shù)的選擇，使用收益法對(duì)抵押房地產(chǎn)進(jìn)行評(píng)估并提供有說服力的結(jié)果是現(xiàn)實(shí)中亟待解決的重要課題。 文章首先簡(jiǎn)單地介紹了國(guó)內(nèi)外關(guān)于抵押資產(chǎn)價(jià)值評(píng)估和收益法方面的主要文獻(xiàn)、房地產(chǎn)抵押評(píng)估方面和收益法方面的相關(guān)理論。重點(diǎn)分析了抵押評(píng)估中價(jià)值類型的選擇，以及收益法應(yīng)用過程中三個(gè)參數(shù)的確定。基于收益法，對(duì)收益性抵押房地產(chǎn)評(píng)估案例黃岡市時(shí)代大廈進(jìn)行了具體分析，包括影響其評(píng)估價(jià)值的一般因素、區(qū)域因素以及土地及建筑物的個(gè)別因素。然后建立時(shí)間序列方程預(yù)測(cè)有效毛收入，用有效毛收入減去運(yùn)營(yíng)費(fèi)用確定凈收益；引入安全利率加風(fēng)險(xiǎn)調(diào)整法的的數(shù)學(xué)模式和系數(shù)取得方式，確定折現(xiàn)率；確定收益年限后，，選擇適合的收益法公式對(duì)時(shí)代大廈的商業(yè)部分和住宅部分的評(píng)估價(jià)值進(jìn)行分別計(jì)算，最后得出時(shí)代大廈房地產(chǎn)的抵押價(jià)值。
[Abstract]:With the development of China's socialist market economy and the reform of the financial system, The state-owned commercial banks of our country have changed from the mode of credit loan to the mode of mortgage loan in the past. Through the asset mortgage, the financing has become the banking industry. The mortgage loan system has become an important measure for commercial banks to preserve assets, prevent risks and slow release of risks. The evaluation of the value of mortgage assets has also become an objective need. It plays an important role in maintaining the security of credit assets of financial institutions and maintaining the healthy development of the financial market. How to grasp the choice of the two parameters of net income and discount rate in the application of income method, Using income method to evaluate mortgage real estate and provide convincing results is an important subject to be solved. Firstly, the paper briefly introduces the main literature about the value evaluation of mortgage assets and income method, the theory of real estate mortgage evaluation and income method, and analyzes the choice of value types in mortgage assessment. And the determination of three parameters in the application of income method. Based on income method, the paper analyzes the case of income mortgage real estate evaluation in Huanggang City, including the general factors that affect its evaluation value. Regional factors and individual factors of land and buildings. Then the time series equation is established to predict the effective gross income, and the net income is determined by the effective gross income minus the operating cost. The mathematical model and coefficient acquisition method of the safe interest rate plus risk adjustment method is introduced to determine the discount rate, and the appropriate income method formula is selected to calculate the evaluation value of the commercial part and the residential part of the time Building, respectively. Finally, the real estate mortgage value of the time Building.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F299.23;F231

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張協(xié)奎,陳偉清;中外房地產(chǎn)估價(jià)發(fā)展綜述[J];河南城建高等專科學(xué)校學(xué)報(bào);2000年02期

2 杜葵,高平;風(fēng)險(xiǎn)補(bǔ)償法確定房地產(chǎn)還原利率的定量研究[J];財(cái)經(jīng)問題研究;2003年04期

3 崔宏;;基于銀行貸款安全目的的抵押資產(chǎn)評(píng)估理論與方法創(chuàng)新[J];金融論壇;2007年01期

4 劉桂良,招平;抵押資產(chǎn)價(jià)值評(píng)估方法的創(chuàng)新[J];系統(tǒng)工程;2004年09期

5 朱學(xué)良 ,王敏;借鑒美國(guó)經(jīng)驗(yàn)建立健全我國(guó)房地產(chǎn)稅收體系[J];中國(guó)房地產(chǎn);1996年02期

6 趙華平;張所地;;房地產(chǎn)價(jià)格預(yù)期評(píng)估模型研究[J];中國(guó)房地產(chǎn);2011年10期

7 魏凱;;我國(guó)房地產(chǎn)評(píng)估行業(yè)存在的問題及對(duì)策[J];科技情報(bào)開發(fā)與經(jīng)濟(jì);2010年20期

8 Kerry D.Vandell;曹文文;王建中;焦曉松;;房地產(chǎn)評(píng)估學(xué)科的展望——在對(duì)歷史的回顧中預(yù)測(cè)未來[J];經(jīng)濟(jì)資料譯叢;2011年04期

9 石玉珍;淺議抵押貸款資產(chǎn)評(píng)估[J];審計(jì)理論與實(shí)踐;2002年09期

10 吳永位;;對(duì)目前我國(guó)房地產(chǎn)評(píng)估產(chǎn)業(yè)現(xiàn)狀的探討[J];商業(yè)文化(上半月);2012年01期

本文編號(hào)：1504688