【摘要】 2010年以来,中国人民银行和银监会多次提示各家商业银行关注资产泡沫上涨等原因造成的贷款系统性风险,一再收紧银根并加强对存量贷款的风险管理。本文剖析了房地产抵押贷款评估中三个关键概念的混淆,指出这是造成被动高估风险的主要成因。建议重新审视现有抵押评估技术准则,以非公开市场基准下的抵押价值代替市场价值,并更多地考虑成本法和收益法的应用,以防止上述风险在新增房地产抵押贷款中的产生和扩散。更多还原

【Abstract】 People’s Bank of China and CBRC had warned all commercial banks to prevent the systemic risks of loans resulted by assets bubbles,squeezed credit and taken some methods to strengthen the management of loan risks.This paper analyzed how the passively overestimated risk formed by confusion of three Key concepts,advised the reconsidering of existing technical guidelines of collateral value appraisal,and pointed out that it should be an effective way to prevent the spreading of overestimated risks in new loans that taking the non-market value as the basis of appraisal,and using the cost approach or income approach more in practice.更多还原