我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)及其防范

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摘 要
2007年美國(guó)次貸危機(jī)的發(fā)生，引起的金融危機(jī)席卷全球，給全球的房地產(chǎn)業(yè)及金融市場(chǎng)帶來巨大沖擊，房地產(chǎn)金融風(fēng)險(xiǎn)問題逐漸進(jìn)入我們的視線。伴隨城市化進(jìn)程的加快，我國(guó)近幾年房地產(chǎn)業(yè)迅速發(fā)展，自2008年以來各城市房?jī)r(jià)水平也以驚人速度增長(zhǎng)，同時(shí)，房地產(chǎn)業(yè)作為國(guó)民經(jīng)濟(jì)的重要支柱型產(chǎn)業(yè)，防范風(fēng)險(xiǎn)對(duì)整個(gè)國(guó)民經(jīng)濟(jì)的穩(wěn)定也顯得尤為重要。本文從房地產(chǎn)金融風(fēng)險(xiǎn)產(chǎn)生機(jī)理入手，分析與對(duì)比國(guó)內(nèi)外房地產(chǎn)金融現(xiàn)狀，并且通過對(duì)美國(guó)次貸危機(jī)事例研究美國(guó)當(dāng)前相應(yīng)對(duì)策，結(jié)合我國(guó)的實(shí)際情況，總結(jié)出我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)防范措施并引以為借鑒。最后從完善個(gè)人信用制度、房地產(chǎn)證券化以及保障性住房建設(shè)及分配制度完善三個(gè)方面提出防范措施。


關(guān)鍵詞：房地產(chǎn)金融 次貸危機(jī) 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 錄
第1章 房地產(chǎn)金融概述············································5
1.1 房地產(chǎn)金融概念···················································5
1.1.1房地產(chǎn)金融特點(diǎn)··················································5
1.1.2房地產(chǎn)金融作用··················································6
1.2房地產(chǎn)金融風(fēng)險(xiǎn)概述················································7
1.2.1房地產(chǎn)泡沫形成機(jī)理··············································7
1.2.2房地產(chǎn)泡沫對(duì)銀行業(yè)的影響········································8
第2章 我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)現(xiàn)狀分析······························8
2.1房地產(chǎn)金融風(fēng)險(xiǎn)現(xiàn)狀················································8
2.1.1 我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)形成··········································8
2.1.2我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)影響過程······································9
2.2我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)種類···········································10
2.3我國(guó)房地產(chǎn)金融風(fēng)險(xiǎn)原因···········································11
2.3.1內(nèi)部原因分析···················································11
2.3.2外部原因分析···················································12
第3章 美國(guó)次貸危機(jī)分析及啟示··································12
3.1美國(guó)次貸危機(jī)分析·················································12
3.1.1美國(guó)次貸危機(jī)成因分析···········································12
3.1.2美國(guó)次貸危機(jī)負(fù)面影響···········································14
3.1.3美國(guó)次貸危機(jī)后的改革措施·······································16
3.2美國(guó)次貸危機(jī)對(duì)我國(guó)房地產(chǎn)金融教訓(xùn)以及啟示·························17
第4章 房地產(chǎn)金融風(fēng)險(xiǎn)的防范與化解·····························18
4.1完善社會(huì)信用體系·················································18
4.2房地產(chǎn)證券化·····················································19
4.3保障性住房建設(shè)及分配制度·········································21
參考文獻(xiàn)