四川XPLZ公司房地產(chǎn)抵押貸款額度評估
發(fā)布時(shí)間：2018-07-27 10:11
【摘要】：本文的主要研究內(nèi)容就是結(jié)合運(yùn)用實(shí)際案例,分析影響評估對象的因素,最終采用重置成本法、基準(zhǔn)地價(jià)系數(shù)調(diào)整法和成本逼近法等評估方法完成了實(shí)踐操作,估算出了四川XPLZ公司房地產(chǎn)的抵押價(jià)值,進(jìn)一步測算了相應(yīng)的貸款額度；本人的論文將影響因素分為兩大部分,一個(gè)主要因素是房地產(chǎn)本身的屬性,采用房地分離評估,分別對土地和建筑物進(jìn)行估值；另外一個(gè)輔助因素就是中小型企業(yè)企業(yè)主自身的因素。對起主要作用的房地產(chǎn)評估整體采用成本法進(jìn)行估值,在起輔助作用的企業(yè)主個(gè)人因素評估,主要是通過德爾菲法得出五個(gè)主要因素之間的權(quán)重比例,結(jié)合企業(yè)主的實(shí)際情況,最終加權(quán)綜合得企業(yè)主調(diào)整系數(shù),計(jì)算出商業(yè)銀行貸款額度的參考數(shù)額。 論文整體上分為四個(gè)部分：第一部分介紹了本文的研究背景和目前國內(nèi)國外的研究狀況,對資產(chǎn)評估的三大基本方法(成本法、收益法和市場法)在房地產(chǎn)估值行業(yè)中的應(yīng)用以及需要注意的問題給予了解釋和說明；雖然還沒有一個(gè)完整的抵押價(jià)值評估體系,但是以抵押價(jià)值為價(jià)值類型的應(yīng)用已經(jīng)逐步展開,其中抵押價(jià)值的概念已經(jīng)被完全納入了《歐洲評估準(zhǔn)則》里。近些年,我國的很多學(xué)者也在進(jìn)行著這樣的探討和努力,并且已經(jīng)在風(fēng)險(xiǎn)理論,方法應(yīng)用等方面取得了不俗的成就。 第二部分是對影響中小型工業(yè)企業(yè)房地產(chǎn)抵押貸款的因素進(jìn)行相關(guān)分析,對影響中小型工業(yè)企業(yè)房地產(chǎn)抵押貸款的因素分為了房地產(chǎn)自身因素(首要因素)和企業(yè)主自身因素(輔助因素),房地產(chǎn)自身因素主要從以下幾個(gè)方面進(jìn)行了闡述：自身屬性、區(qū)域環(huán)境、宏觀因素等。對于企業(yè)主自身因素,主要是從企業(yè)主學(xué)歷、婚姻狀況、實(shí)際控制企業(yè)年收入、信用情況和從業(yè)時(shí)間五個(gè)方面進(jìn)行了分析,運(yùn)用德爾菲法算出各因素之間的權(quán)重,計(jì)算出企業(yè)主調(diào)整系數(shù),為銀行確定貸款額度提供參考。 第三部分是實(shí)際案例應(yīng)用,解釋了評估對象、評估時(shí)點(diǎn)、評估原則以及方法等房地產(chǎn)評估的主要要素,文中主要闡述了三大基本方法的優(yōu)缺點(diǎn)以及應(yīng)用條件,結(jié)合中小型工業(yè)企業(yè)的特點(diǎn),在對中小型工業(yè)企業(yè)進(jìn)行評估的大多數(shù)實(shí)務(wù)操作中,成本法運(yùn)用的最廣泛,取得實(shí)際效果也最好。通過論文作者在評估公司實(shí)習(xí)時(shí)親身參與的評估項(xiàng)目,針對項(xiàng)目特點(diǎn),運(yùn)用適合的評估方法完成評估報(bào)告。再用德爾菲法,對影響企業(yè)主的自身因素進(jìn)行權(quán)重規(guī)定,結(jié)合本案例中實(shí)際控制人的自身?xiàng)l件進(jìn)行打分,得出企業(yè)主調(diào)整系數(shù)。用企業(yè)主調(diào)整系數(shù)乘以房地產(chǎn)自身的抵押價(jià)格,得出了商業(yè)銀行貸款額度的參考值。 最后一部分是總結(jié),對本篇論文主要的研究問題和方法進(jìn)行了總結(jié),指明了本文在商業(yè)銀行對中小型工業(yè)企業(yè)房地產(chǎn)抵押貸款方面的參考作用；也對論文中存在的不足進(jìn)行了說明,由于作者本人的理論水平和實(shí)踐經(jīng)驗(yàn)都有不足,也只能粗淺的對相關(guān)問題進(jìn)行闡述,對有關(guān)深層次問題的分析可能還是不到位。
[Abstract]:The main research content of this paper is to combine the actual cases, analyze the factors affecting the evaluation object, and finally adopt the replacement cost method, the benchmark land price coefficient adjustment method and the cost approximation method to complete the practical operation, estimate the value of the Sichuan XPLZ's real estate, and further calculate the corresponding loan amount. My thesis divides the factors into two parts, one of which is the property of the real estate itself, the valuation of the land and the buildings by the real estate separation assessment, and the other factor is the factor of the small and medium enterprise owners themselves. The overall use of the real estate evaluation is estimated by the cost method. Value, in the evaluation of the individual factor of the enterprise owner, it is mainly through the Delphi method to get the weight ratio between the five main factors, combined with the actual situation of the enterprise owner, and finally weighted the adjustment coefficient of the business owner to calculate the reference amount of the loan amount of the commercial bank.
The thesis is divided into four parts as a whole: the first part introduces the background of the study and the status of the research at home and abroad, and explains and explains the application of the three basic methods of asset assessment (cost method, income law and market law) in the real estate valuation industry and the problems to be paid attention to; although there is not a complete conclusion The whole system of mortgage value assessment, but the application of the value of mortgage as a value type has been gradually expanded, and the concept of mortgage value has been fully incorporated into the European evaluation criterion. In recent years, many scholars in our country have also carried out such discussions and efforts, and have already obtained the theory of risk, the application of methods and so on. A great achievement.
The second part is the related analysis of the factors affecting the real estate mortgage loan in small and medium industrial enterprises. The factors that affect the real estate mortgage loan in small and medium industrial enterprises are divided into the real estate itself factors (the primary factor) and the enterprise owner's own factors (auxiliary factors), and the real factors of real estate are mainly explained from the following aspects. In this paper, the self attributes, regional environment, macro factors and so on. For the enterprise owner's own factors, mainly from five aspects of the main educational background, the marital status, the actual control of the annual income of the enterprise, the credit situation and the employment time, the weight of each factor is calculated by Delphi method, and the adjustment coefficient of the enterprise is calculated and the loan is determined for the bank. The amount of money is provided for reference.
The third part is a practical case application, which explains the main elements of real estate evaluation, such as evaluation objects, time points, evaluation principles and methods. The paper mainly expounds the advantages and disadvantages of the three basic methods and the application conditions, and combines the characteristics of small and medium industrial enterprises to conduct the most practical operations for the evaluation of small and medium industrial enterprises. The cost method is the most widely used and the best practical effect is achieved. Through the author's personal participation evaluation project in the evaluation of the company's internship, the author uses the appropriate evaluation method to complete the evaluation report. Then the Delphi method is used to determine the weight of the enterprise owner's own factors and the actual controller in this case. The main adjustment coefficient of the enterprise is obtained. The main adjustment coefficient of the enterprise is multiplied by the mortgage price of the real estate itself, and the reference value of the loan amount of the commercial bank is obtained.
The last part is summary, summarizes the main research problems and methods of this paper, points out the reference role of the commercial bank to the real estate mortgage loan of small and medium industrial enterprises, and also explains the shortcomings in the paper, because the author's own theoretical level and practical experience are insufficient, only It can explain the related problems superficially, and the analysis of deep-seated problems may not be in place.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.479;F299.233.4
本文編號(hào)：2147495
[Abstract]:The main research content of this paper is to combine the actual cases, analyze the factors affecting the evaluation object, and finally adopt the replacement cost method, the benchmark land price coefficient adjustment method and the cost approximation method to complete the practical operation, estimate the value of the Sichuan XPLZ's real estate, and further calculate the corresponding loan amount. My thesis divides the factors into two parts, one of which is the property of the real estate itself, the valuation of the land and the buildings by the real estate separation assessment, and the other factor is the factor of the small and medium enterprise owners themselves. The overall use of the real estate evaluation is estimated by the cost method. Value, in the evaluation of the individual factor of the enterprise owner, it is mainly through the Delphi method to get the weight ratio between the five main factors, combined with the actual situation of the enterprise owner, and finally weighted the adjustment coefficient of the business owner to calculate the reference amount of the loan amount of the commercial bank.
The thesis is divided into four parts as a whole: the first part introduces the background of the study and the status of the research at home and abroad, and explains and explains the application of the three basic methods of asset assessment (cost method, income law and market law) in the real estate valuation industry and the problems to be paid attention to; although there is not a complete conclusion The whole system of mortgage value assessment, but the application of the value of mortgage as a value type has been gradually expanded, and the concept of mortgage value has been fully incorporated into the European evaluation criterion. In recent years, many scholars in our country have also carried out such discussions and efforts, and have already obtained the theory of risk, the application of methods and so on. A great achievement.
The second part is the related analysis of the factors affecting the real estate mortgage loan in small and medium industrial enterprises. The factors that affect the real estate mortgage loan in small and medium industrial enterprises are divided into the real estate itself factors (the primary factor) and the enterprise owner's own factors (auxiliary factors), and the real factors of real estate are mainly explained from the following aspects. In this paper, the self attributes, regional environment, macro factors and so on. For the enterprise owner's own factors, mainly from five aspects of the main educational background, the marital status, the actual control of the annual income of the enterprise, the credit situation and the employment time, the weight of each factor is calculated by Delphi method, and the adjustment coefficient of the enterprise is calculated and the loan is determined for the bank. The amount of money is provided for reference.
The third part is a practical case application, which explains the main elements of real estate evaluation, such as evaluation objects, time points, evaluation principles and methods. The paper mainly expounds the advantages and disadvantages of the three basic methods and the application conditions, and combines the characteristics of small and medium industrial enterprises to conduct the most practical operations for the evaluation of small and medium industrial enterprises. The cost method is the most widely used and the best practical effect is achieved. Through the author's personal participation evaluation project in the evaluation of the company's internship, the author uses the appropriate evaluation method to complete the evaluation report. Then the Delphi method is used to determine the weight of the enterprise owner's own factors and the actual controller in this case. The main adjustment coefficient of the enterprise is obtained. The main adjustment coefficient of the enterprise is multiplied by the mortgage price of the real estate itself, and the reference value of the loan amount of the commercial bank is obtained.
The last part is summary, summarizes the main research problems and methods of this paper, points out the reference role of the commercial bank to the real estate mortgage loan of small and medium industrial enterprises, and also explains the shortcomings in the paper, because the author's own theoretical level and practical experience are insufficient, only It can explain the related problems superficially, and the analysis of deep-seated problems may not be in place.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.479;F299.233.4
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相關(guān)期刊論文 前4條
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