本文選題：房地產(chǎn)　切入點(diǎn)：抵押　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：隨著我國金融市場的全面開放，銀行間的競爭也日益激烈，在此條件下，商業(yè)銀行開始注重加強(qiáng)成本管理，精細(xì)化各層面成本收益信息，降低風(fēng)險(xiǎn)，提高自身的價(jià)值創(chuàng)造力和市場競爭能力。因此，采用科學(xué)的評估方法對抵押房地產(chǎn)價(jià)值進(jìn)行及時(shí)、動(dòng)態(tài)、合理、客觀、公允地評估，也就成為商業(yè)銀行加強(qiáng)風(fēng)險(xiǎn)管理的重要環(huán)節(jié)。批量評估技術(shù)的重要的特性在于它將大量的計(jì)量、統(tǒng)計(jì)檢驗(yàn)等數(shù)學(xué)工具納入評估過程，評估結(jié)果會更加客觀、精確。在國外，批量評估的應(yīng)用已有幾十年的歷史，相對于我國來說，國外的批量評估技術(shù)也比較成熟。目前，批量評估技術(shù)除了已普遍應(yīng)用于財(cái)產(chǎn)稅稅基批量評估系統(tǒng)外，還在與房地產(chǎn)估價(jià)及管理相聯(lián)系的私人領(lǐng)域，如在商業(yè)銀行等金融機(jī)構(gòu)廣泛應(yīng)用。因此，借鑒國外的先進(jìn)經(jīng)驗(yàn)，將有助于我們更好的建立適合我國的房地產(chǎn)抵押價(jià)值批量評估模型。根據(jù)央行最新的研究報(bào)告顯示，我國住宅房地產(chǎn)抵押貸款總量大，，且近年來增速較快。隨著大數(shù)據(jù)時(shí)代的到來，批量評估法在我國房地產(chǎn)抵押價(jià)值評估領(lǐng)域的應(yīng)用也面臨著機(jī)遇與挑戰(zhàn)。 圍繞研究主題，本文首先介紹了房地產(chǎn)抵押估價(jià)和批量評估法的相關(guān)理論，以及批量評估的技術(shù)原理與流程。通過對我國住宅房地產(chǎn)抵押狀況的分析，闡述了我國房地產(chǎn)抵押估價(jià)中批量評估法的應(yīng)用優(yōu)勢和面臨的機(jī)遇。接著，本文詳細(xì)的介紹了國內(nèi)外房地產(chǎn)抵押估價(jià)中批量評估法的應(yīng)用實(shí)踐，在總結(jié)國外經(jīng)驗(yàn)的基礎(chǔ)上，選取案例對模型的構(gòu)建進(jìn)行演示，最后本文提出完善我國房地產(chǎn)抵押估價(jià)中批量評估法應(yīng)用的若干建議。
[Abstract]:With the overall opening of our financial market, the competition among banks is becoming increasingly fierce. Under this condition, commercial banks begin to pay attention to strengthening cost management, refining the cost and income information at all levels, and reducing risks. Therefore, using scientific evaluation method to evaluate the value of mortgage real estate in a timely, dynamic, reasonable, objective and fair way, The important characteristic of batch evaluation technology is that it brings a large number of mathematical tools, such as measurement, statistical inspection, into the evaluation process, and the evaluation results will be more objective and accurate. Batch evaluation has been used for several decades. Compared with our country, batch evaluation technology is mature in foreign countries. At present, batch evaluation technology has been widely used in the property tax base batch evaluation system. It is also widely used in private sectors associated with real estate valuation and management, such as in commercial banks and other financial institutions. It will help us better establish a batch evaluation model of real estate mortgage value suitable for our country. According to the latest research report by the Central Bank, the total amount of residential real estate mortgage loans in China is large. With the arrival of big data's era, the application of batch evaluation method in the field of real estate mortgage value evaluation in China is also facing opportunities and challenges. Around the research topic, this paper first introduces the related theories of real estate mortgage valuation and batch evaluation, as well as the technical principle and process of batch evaluation. This paper expounds the application advantages and opportunities of batch evaluation method in real estate mortgage valuation in China. Then, this paper introduces the application practice of batch evaluation method in real estate mortgage valuation at home and abroad in detail, on the basis of summing up the experience of foreign countries. Finally, this paper puts forward some suggestions on how to improve the application of batch evaluation method in real estate mortgage valuation in China.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F299.233.32

【引證文獻(xiàn)】

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本文編號：1685817