本文選題：寫(xiě)字樓 + 抵押評(píng)估��； 參考：《湖南大學(xué)》2014年碩士論文

【摘要】：近年來(lái)中外資銀行競(jìng)相推出經(jīng)營(yíng)性物業(yè)抵押貸款業(yè)務(wù)，從而產(chǎn)生了大量的商業(yè)房地產(chǎn)抵押評(píng)估業(yè)務(wù)，特別是寫(xiě)字樓抵押評(píng)估，由于寫(xiě)字樓不僅具有房地產(chǎn)的不可移動(dòng)、價(jià)值量大、壽命長(zhǎng)久、保值增值等一般特點(diǎn)，而且一般位置較佳，規(guī)模較大、具有良好的現(xiàn)金流入能力，因此其作為債權(quán)擔(dān)保形式已為越來(lái)越多的銀行等債權(quán)人所使用。但同時(shí)，寫(xiě)字樓的市場(chǎng)價(jià)值受區(qū)域特征，建筑物特征，配套設(shè)施狀況及鄰里環(huán)境等多種因素影響，，以致寫(xiě)字樓抵押價(jià)值的確定成為房地產(chǎn)估價(jià)中的一大難題。 本文采用定性分析與定量研究相結(jié)合的方法，從完善技術(shù)方法體系和實(shí)際應(yīng)用的角度出發(fā)，對(duì)寫(xiě)字樓抵押價(jià)值評(píng)估相關(guān)問(wèn)題進(jìn)行了較系統(tǒng)的研究，旨在提高寫(xiě)字樓抵押價(jià)值評(píng)估的科學(xué)性和準(zhǔn)確性，防范房地產(chǎn)抵押貸款風(fēng)險(xiǎn)，促進(jìn)房地產(chǎn)估價(jià)技術(shù)的應(yīng)用研究。首先結(jié)合房地產(chǎn)抵押評(píng)估的相關(guān)理論，深入分析了房地產(chǎn)抵押估價(jià)的特殊性。接著對(duì)寫(xiě)字樓的定義、寫(xiě)字樓抵押特殊性及寫(xiě)字樓抵押過(guò)程中需注意的問(wèn)題等方面進(jìn)行分析。簡(jiǎn)述了房地產(chǎn)抵押估價(jià)方法并探究了對(duì)寫(xiě)字樓抵押評(píng)估的適用性。在這些理論的基礎(chǔ)上，筆者分析了月異寫(xiě)字樓估價(jià)具體情況，選擇收益法、成本法綜合估算寫(xiě)字樓價(jià)值。針對(duì)寫(xiě)字樓特殊性對(duì)收益法、成本法估算過(guò)程進(jìn)行詳細(xì)介紹，并著重分析了特征比較定價(jià)法、時(shí)間序列法求取收益、安全利率加風(fēng)險(xiǎn)調(diào)整系數(shù)法求取折現(xiàn)率、基準(zhǔn)地價(jià)修正法求取土地價(jià)值及三種方法綜合確定開(kāi)發(fā)利潤(rùn)率。最后在估價(jià)結(jié)果處理時(shí)考慮了一般情況及估價(jià)報(bào)告期間抵押權(quán)實(shí)現(xiàn)的情況，得到了月異寫(xiě)字樓抵押價(jià)值。
[Abstract]:In recent years, Chinese and foreign banks have been competing to launch commercial real estate mortgage loan business, which has resulted in a large number of commercial real estate mortgage assessment business, especially office mortgage evaluation, because office buildings not only have the immovable property, The value is large, the life is long, the value is increased and so on, and the general position is better, the scale is larger, and has the good cash inflow ability, so it has been used by more and more creditors such as the bank as the form of creditor's rights guarantee. But at the same time, the market value of office buildings is affected by many factors, such as regional characteristics, building characteristics, supporting facilities and neighborhood environment, so that the determination of office building mortgage value has become a major problem in real estate evaluation. Based on the method of qualitative analysis and quantitative analysis, this paper makes a systematic study on the evaluation of office mortgage value from the point of view of perfecting the system of technical methods and practical application. The purpose of this paper is to improve the science and accuracy of the evaluation of office mortgage value, to guard against the risk of real estate mortgage loan, and to promote the research on the application of real estate valuation technology. Firstly, the particularity of real estate mortgage valuation is analyzed with the relevant theory of real estate mortgage evaluation. Then the definition of office, the particularity of office mortgage and the problems needing attention in the process of office mortgage are analyzed. This paper briefly introduces the method of real estate mortgage valuation and probes into the applicability of office mortgage evaluation. On the basis of these theories, the author analyzes the concrete situation of the valuation of the Yueyi office building, chooses the income method and the cost method to estimate the value of the office building. According to the particularity of office space, the paper introduces the estimation process of income method and cost method in detail, and emphatically analyzes the characteristic comparison pricing method, time series method to obtain income, safe interest rate plus risk adjustment coefficient method to obtain discount rate. The land value and three methods are used to determine the development profit rate. Finally, the general situation and the realization of mortgage during the period of valuation report are taken into account in the processing of valuation results, and the mortgage value of monthly office buildings is obtained.
【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】：2014
【分類(lèi)號(hào)】：F299.233.42

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 劉洪玉;寫(xiě)字樓物業(yè)的分類(lèi)及其影響因素分析[J];北京房地產(chǎn);1996年06期

2 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

3 鄭燕鳴,李啟明;房地產(chǎn)估價(jià)收益還原法中的折舊費(fèi)探討[J];東南大學(xué)學(xué)報(bào)(自然科學(xué)版);2000年04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 孟慶茹;;房地產(chǎn)估價(jià)方法淺析[J];黑龍江科技信息;2010年23期

6 張協(xié)奎,陳偉清;關(guān)于收益還原法公式的推導(dǎo)與運(yùn)用[J];基建優(yōu)化;1997年03期

7 石振武;項(xiàng)昀;;關(guān)于房地產(chǎn)基本估價(jià)方法的探析[J];技術(shù)經(jīng)濟(jì);2006年01期

8 王麗梅;;抵押房地產(chǎn)的公開(kāi)市場(chǎng)價(jià)值、抵押價(jià)值及變現(xiàn)價(jià)值[J];價(jià)值工程;2007年05期

9 袁媛;;基于改進(jìn)的成本法的探討[J];價(jià)值工程;2011年16期

10 劉宇;楊開(kāi)源;;房地產(chǎn)評(píng)估方法的選擇[J];科技經(jīng)濟(jì)市場(chǎng);2007年04期

本文編號(hào)：1882975