商业银行房地产信贷的风险分析

【作者】 司艳春；

【导师】 夏潆焱；

【作者基本信息】 西南财经大学 ， 金融学， 2006， 硕士

【摘要】 近年来,随着我国房地产行业的迅速发展,房地产信贷已成为商业银行重点发展的业务。然而,在房地产信贷快速发展的背后,风险也正在逐渐暴露和显现。假按揭、银行违规放贷、开发商违规套贷等情况时有发生。如果商业银行不能对当前房地产信贷面临的潜在风险进行有效识别与控制,那么,房地产信贷业务的快速扩张可能成为商业银行一个不容忽视的风险源。我国的房地产信贷有什么特征,会有哪些风险?应该如何防范?这些问题的解决正是本文写作的目的所在。本文的写作思路是:首先对房地产的概念作出界定,在此基础上将房地产按用途分为住房和商业房地产两类,进而对这两类房地产的特点进行比较和总结。由于房地产开发具有资金投入大,建设周期长,风险程度高等特征,房地产开发与经营对金融支持的要求很高,靠房地产开发商的自有资金是无法满足的。那么,房地产开发的融资渠道有哪些?在我国房地产金融的发展状况如何?顺着这个思路,本文分析了我国房地产业的几种融资渠道及发展现状,其中,银行信贷是目前我国房地产业的主要融资方式。因此,本文重点分析了我国房地产信贷的特征:风险大且集中于商业银行、没有金融替代产品来转移和分散风险等。我国商业银行房地产信贷风险的出现不仅与房地产开发商、个人、商业银行等参与者有关,还与我国的经济社会法律环境有关。最后,依据对商业银行房地产信贷的全面分析提出几点防范风险的措施和对策。本文共分四个部分:第一部分是对房地产信贷的一般分析。房地产位置的固定性导致不同区域的房地产因周围的环境和设施的不同产生价格和价值的差异;房地产的经济效益比较可靠具有保值增值的功能;房地产的投资规模大,开发周期长等特征使房地产成为一种独特的商品。房地产因用途的不同对以上特征的侧重程度也不同,本文针对其中的两种来分更多还原

【Abstract】 Along with the residential sector in 1996 as the national economy will be the new growth industries and to determine the status of my years of sustained stable development of China’s real estate industry has been rapid development. Many commercial real estate credit banks in recent years have been a focus of development operations. However, real estate credit risks after the rapid development and gradually has been exposed False mortgage, bank lending violations and developers of set-conditions had aroused the attention of the relevant departments in our countries.After 2004 macro-control, the development of high-yield commercial real estate has attracted a large number of residential areas of funding. At present, commercial real estate financing is the main bank credit. Since the early development of commercial real estate investment scale, a long period of return, greater risks than residential development, or if the project management is the wrong positioning, the risk is very substantial. If commercial banks do not face the potential of the current real estate credit risk identification and effective control, then the rapid expansion of the real estate credit operations of commercial banks may become a source of risk can not be ignored. What characteristics of our real estate credit, what the risks are? How to prevent? Solving these problems is the purpose of this writing.The writing of this paper is: The first part introduces property and the concept of identity presentation. In this basis, real estate can be classified two types: housing and commercial real estate, both comparisons are summed up their character. From the analysis of our real estate financing channels and the number of the current development, we can understand that the main way of real estate financing in our country is the bank credit. Through various risk analysis of bank credit to更多还原