本文關(guān)鍵詞： 房地產(chǎn)抵押評估 收益法 時代大廈 凈收益 折現(xiàn)率　出處：《湖南大學》2013年碩士論文　論文類型：學位論文

【摘要】：隨著我國社會主義市場經(jīng)濟的發(fā)展和金融體制的改革，我國國有商業(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)、防范風險及風險緩釋的重要舉措。抵押資產(chǎn)價值評估也成為了客觀需要，它對維護金融機構(gòu)信貸資產(chǎn)安全和維護金融市場的健康發(fā)展發(fā)揮了重要作用。對于房地產(chǎn)抵押價值評估，特別是收益性房地產(chǎn)，收益法是首選的、不可或缺的評估方法。如何把握收益法的運用過程中對凈收益和折現(xiàn)率這兩個參數(shù)的選擇，使用收益法對抵押房地產(chǎn)進行評估并提供有說服力的結(jié)果是現(xiàn)實中亟待解決的重要課題。 文章首先簡單地介紹了國內(nèi)外關(guān)于抵押資產(chǎn)價值評估和收益法方面的主要文獻、房地產(chǎn)抵押評估方面和收益法方面的相關(guān)理論。重點分析了抵押評估中價值類型的選擇，以及收益法應用過程中三個參數(shù)的確定�；谑找娣�，對收益性抵押房地產(chǎn)評估案例黃岡市時代大廈進行了具體分析，包括影響其評估價值的一般因素、區(qū)域因素以及土地及建筑物的個別因素。然后建立時間序列方程預測有效毛收入，用有效毛收入減去運營費用確定凈收益；引入安全利率加風險調(diào)整法的的數(shù)學模式和系數(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時代大廈的商業(yè)部分和住宅部分的評估價值進行分別計算，最后得出時代大廈房地產(chǎn)的抵押價值。
[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.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F299.23;F231

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