本文選題：商品房預(yù)售資金　切入點(diǎn)：監(jiān)管模式　出處：《西安建筑科技大學(xué)》2014年碩士論文

【摘要】：房地產(chǎn)開(kāi)發(fā)是一個(gè)資金使用密集、投資龐大的系統(tǒng)工程，也是我國(guó)國(guó)民經(jīng)濟(jì)的主導(dǎo)產(chǎn)業(yè)，在現(xiàn)代社會(huì)生活中有舉足輕重的地位，其健康發(fā)展對(duì)國(guó)民經(jīng)濟(jì)的發(fā)展起著重要作用�，F(xiàn)階段我國(guó)金融體系的發(fā)展還不夠完善，很難滿足房地產(chǎn)業(yè)對(duì)資金的需求，為了解決房地產(chǎn)業(yè)嚴(yán)重缺乏資金這一難題，很多企業(yè)將目光轉(zhuǎn)移到商品房的預(yù)售資金上，商品房的定金及預(yù)售款成為了房地產(chǎn)開(kāi)發(fā)商資金的第一大來(lái)源。在實(shí)踐中，由于對(duì)商品房預(yù)售資金缺乏監(jiān)管，開(kāi)發(fā)商在使用預(yù)售資金的過(guò)程中侵犯預(yù)購(gòu)人合法權(quán)益的事件頻繁發(fā)生。所以，對(duì)商品房預(yù)售資金進(jìn)行有效監(jiān)管，可以保障購(gòu)房者及社會(huì)的公共利益不受侵害，對(duì)于房地產(chǎn)市場(chǎng)的穩(wěn)定發(fā)展發(fā)揮關(guān)鍵的作用。 本文將立足我國(guó)商品房預(yù)售制度的背景及其運(yùn)行的現(xiàn)狀，以商品房預(yù)售資金監(jiān)管的相關(guān)理論為出發(fā)點(diǎn)，首先，對(duì)商業(yè)銀行商品房預(yù)售資金監(jiān)管的運(yùn)行模式進(jìn)行分析并提出此模式中存在的問(wèn)題。其次，運(yùn)用數(shù)理經(jīng)濟(jì)模型推導(dǎo)方法分析商品房預(yù)售資金監(jiān)管制度對(duì)房地產(chǎn)最佳銷售價(jià)格和市場(chǎng)效率的影響。分析表明：固定數(shù)額資金監(jiān)管方法既不影響商品房銷售價(jià)格也不影響房地產(chǎn)市場(chǎng)效率；固定比例資金監(jiān)管方法不影響商品房銷售價(jià)格，但會(huì)降低房地產(chǎn)的市場(chǎng)效率；混合資金監(jiān)管方法可以影響房?jī)r(jià)，在不同的條件下對(duì)房地產(chǎn)市場(chǎng)效率的影響也不同。再次，運(yùn)用博弈論分析商業(yè)銀行商品房預(yù)售資金監(jiān)管模式中參與方之間的利益關(guān)系。通過(guò)分析得知，地方政府、商業(yè)銀行、房地產(chǎn)開(kāi)發(fā)商之間的存在錯(cuò)綜復(fù)雜發(fā)的利益關(guān)系，對(duì)商品房預(yù)售資金監(jiān)管的有效性有一定的影響。最后，借鑒國(guó)外和香港的商品房預(yù)售資金監(jiān)管經(jīng)驗(yàn)，構(gòu)建新型的“多機(jī)構(gòu)資金監(jiān)管模式”提出完善商品房預(yù)售資金監(jiān)管的思路和改進(jìn)商品房預(yù)售資金監(jiān)管的意見(jiàn)建議。
[Abstract]:Real estate development is a systematic project with intensive use of funds and huge investment. It is also the leading industry of our national economy and plays an important role in modern social life. Its healthy development plays an important role in the development of the national economy. At the present stage, the development of our financial system is still not perfect, it is very difficult to meet the demand for funds in the real estate industry, in order to solve the problem of the serious lack of funds in the real estate industry, Many enterprises have turned their attention to the funds for the advance sale of commercial housing, which has become the first major source of funds for real estate developers. In practice, due to the lack of supervision over the funds for the pre-sale of commercial housing, In the process of using pre-sale funds, developers frequently violate the legitimate rights and interests of pre-buyers. Therefore, effective supervision of the funds for pre-sale of commercial housing can ensure that the public interests of buyers and society are not infringed upon. For the stable development of the real estate market play a key role. This article will base on the background and the present situation of the commercial housing pre-sale system in our country, take the related theory of the commercial housing pre-sale fund supervision as the starting point, first, This paper analyzes the operation mode of commercial banks' pre-sale funds supervision and puts forward the problems existing in this mode. Secondly, In this paper, the mathematical economic model is used to analyze the influence of the supervision system on the best selling price and the market efficiency of the real estate. The analysis shows that the fixed amount of capital supervision method has no effect on the sale price of the commercial housing. Also does not affect the real estate market efficiency; The fixed proportion fund supervision method does not affect the selling price of commercial housing, but it will reduce the market efficiency of real estate. The mixed fund supervision method can affect the house price, and the effect on the real estate market efficiency is also different under different conditions. Thirdly, Using game theory to analyze the interests of the participants in the supervision model of commercial banks' commercial housing pre-sale funds. Through the analysis, we can see that there are intricate interest relationships among local governments, commercial banks, and real estate developers. It has a certain impact on the effectiveness of the supervision of commercial housing pre-sale funds. Finally, the experience of foreign countries and Hong Kong in the supervision of commercial housing pre-sale funds is used for reference. To construct a new "multi-institution fund supervision mode", this paper puts forward the ideas of perfecting the supervision of commercial housing pre-sale funds and some suggestions on how to improve the supervision of commercial housing pre-sale funds.
【學(xué)位授予單位】：西安建筑科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.23;F832.33

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