我国房地产金融风险及其防范.doc
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我国房地产金融风险及其防范,16800字原创毕业论文，仅在本站独家提交，大家放心使用摘要 2007年美国次贷危机的发生，引起的金融危机席卷全球，给全球的房地产业及金融市场带来巨大冲击，房地产金融风险问题逐渐进入我们的视线。伴随城市化进程的加快，我国近几年房地产业迅速发展，自2008年以来各城市房价水平也以惊人速度增长，同...
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我国房地产金融风险及其防范
16800字
原创毕业论文，仅在本站独家提交，大家放心使用
摘 要
2007年美国次贷危机的发生，引起的金融危机席卷全球，给全球的房地产业及金融市场带来巨大冲击，房地产金融风险问题逐渐进入我们的视线。伴随城市化进程的加快，我国近几年房地产业迅速发展，自2008年以来各城市房价水平也以惊人速度增长，同时，房地产业作为国民经济的重要支柱型产业，防范风险对整个国民经济的稳定也显得尤为重要。本文从房地产金融风险产生机理入手，分析与对比国内外房地产金融现状，并且通过对美国次贷危机事例研究美国当前相应对策，结合我国的实际情况，总结出我国房地产金融风险防范措施并引以为借鉴。最后从完善个人信用制度、房地产证券化以及保障性住房建设及分配制度完善三个方面提出防范措施。
关键词：房地产金融 次贷危机 防范
Abstract
The U.S. subprime mortgage crisis occurred in 2007 which leading to the global financial crisis. It made a huge impact to the global real estate and financial markets. And then the financial risk issues gradually appeared into our view. With the acceleration of urbanization in recent years, the real estate had a rapid development. With the same time, the level of rates also rised at an alarming rate since 2008. However, the real estate industry acts as an important pillar of the national economy, therefore it’s important to the entire national economy in risk prevention. In this paper, we analysis the financial status of the real estate at home and abroad by the mechanism of the real estate financial risk. We can research in the countermeasure by the U.S. subprime crisis. We can summarize the precautions of real estate financial risk in China by the way of our actual and learn a lesson from it.
Substantially from the norm fund loan system, affordable housing construction and distribution system as well as improve the personal credit system proposed preventive measures three aspects that improve the personal credit system、Real Estate Securitization.
Key Words Real estate finance Subprime crisis Prevention
目 录
第1章 房地产金融概述············································5
1.1 房地产金融概念···················································5
1.1.1房地产金融特点··················································5
1.1.2房地产金融作用··················································6
1.2房地产金融风险概述················································7
1.2.1房地产泡沫形成机理··············································7
1.2.2房地产泡沫对银行业的影响········································8
第2章 我国房地产金融风险现状分析······························8
2.1房地产金融风险现状················································8
2.1.1 我国房地产金融风险形成··········································8
2.1.2我国房地产金融风险影响过程······································9
2.2我国房地产金融风险种类···········································10
2.3我国房地产金融风险原因···········································11
2.3.1内部原因分析···················································11
2.3.2外部原因分析···················································12
第3章 美国次贷危机分析及启示··································12
3.1美国次贷危机分析·················································12
3.1.1美国次贷危机成因分析···········································12
3.1.2美国次贷危机负面影响···········································14
3.1.3美国次贷危机后的改革措施·······································16
3.2美国次贷危机对我国房地产金融教训以及启示·························17
第4章 房地产金融风险的防范与化解·····························18
4.1完善社会信用体系·················································18
4.2房地产证券化·····················································19
4.3保障性住房建设及分配制度·········································21
参考文献
16800字
原创毕业论文，仅在本站独家提交，大家放心使用
摘 要
2007年美国次贷危机的发生，引起的金融危机席卷全球，给全球的房地产业及金融市场带来巨大冲击，房地产金融风险问题逐渐进入我们的视线。伴随城市化进程的加快，我国近几年房地产业迅速发展，自2008年以来各城市房价水平也以惊人速度增长，同时，房地产业作为国民经济的重要支柱型产业，防范风险对整个国民经济的稳定也显得尤为重要。本文从房地产金融风险产生机理入手，分析与对比国内外房地产金融现状，并且通过对美国次贷危机事例研究美国当前相应对策，结合我国的实际情况，总结出我国房地产金融风险防范措施并引以为借鉴。最后从完善个人信用制度、房地产证券化以及保障性住房建设及分配制度完善三个方面提出防范措施。
关键词：房地产金融 次贷危机 防范
Abstract
The U.S. subprime mortgage crisis occurred in 2007 which leading to the global financial crisis. It made a huge impact to the global real estate and financial markets. And then the financial risk issues gradually appeared into our view. With the acceleration of urbanization in recent years, the real estate had a rapid development. With the same time, the level of rates also rised at an alarming rate since 2008. However, the real estate industry acts as an important pillar of the national economy, therefore it’s important to the entire national economy in risk prevention. In this paper, we analysis the financial status of the real estate at home and abroad by the mechanism of the real estate financial risk. We can research in the countermeasure by the U.S. subprime crisis. We can summarize the precautions of real estate financial risk in China by the way of our actual and learn a lesson from it.
Substantially from the norm fund loan system, affordable housing construction and distribution system as well as improve the personal credit system proposed preventive measures three aspects that improve the personal credit system、Real Estate Securitization.
Key Words Real estate finance Subprime crisis Prevention
目 录
第1章 房地产金融概述············································5
1.1 房地产金融概念···················································5
1.1.1房地产金融特点··················································5
1.1.2房地产金融作用··················································6
1.2房地产金融风险概述················································7
1.2.1房地产泡沫形成机理··············································7
1.2.2房地产泡沫对银行业的影响········································8
第2章 我国房地产金融风险现状分析······························8
2.1房地产金融风险现状················································8
2.1.1 我国房地产金融风险形成··········································8
2.1.2我国房地产金融风险影响过程······································9
2.2我国房地产金融风险种类···········································10
2.3我国房地产金融风险原因···········································11
2.3.1内部原因分析···················································11
2.3.2外部原因分析···················································12
第3章 美国次贷危机分析及启示··································12
3.1美国次贷危机分析·················································12
3.1.1美国次贷危机成因分析···········································12
3.1.2美国次贷危机负面影响···········································14
3.1.3美国次贷危机后的改革措施·······································16
3.2美国次贷危机对我国房地产金融教训以及启示·························17
第4章 房地产金融风险的防范与化解·····························18
4.1完善社会信用体系·················································18
4.2房地产证券化·····················································19
4.3保障性住房建设及分配制度·········································21
参考文献
