【作者】 姜立峰；

【导师】 马超群；

【作者基本信息】 湖南大学 ， 工商管理， 2007， 硕士

【摘要】 房地产业的发展关系国计民生。中国经济的又好又快发展推动了城市化和住房商品化的快速发展,有力地促进了房地产业和房地产信贷的发展,并对调整经济结构,促进经济平稳、快速增长发挥着越来越重要的作用。然而,房地产业是典型的资金密集型行业,需要大量资金支持。目前我国房地产融资渠道狭窄。近年虽然有部分国内外上市的房地产公司和个别海外房地产投资信托基金,但对于开发商和购房者,融资的主要方式还是银行贷款,通过土地储备贷款、房地产开发贷款、建筑企业流动资金贷款以及住房消费贷款等,商业银行实际上直接或间接地承受了房地产市场运行中各个环节的市场风险和信用风险。长沙农行是中国农业银行垂直管理下的二级分行,在长沙地区开设15家支行,前期,房地产信贷业务的发展不容乐观。全行房地产法人不良贷款率和个人住房不良贷款率均远远超过警戒水平,不良率长期高居不下,而且潜在风险继续不断暴露。本文以长沙农行房地产信贷的实践为研究对象,以长沙市房地产业发展的现状与态势为背景,客观地分析了长沙市房地产行业及金融发展情况,剖析了长沙农行房地产贷款的结构、风险管理现状,并着重对长沙农行房地产贷款的风险进行全面研究,从宏观政策、企业经营、银行信贷三个层面提示已经或可能面临的风险,从贷款管理的各个环节分析了风险产生的原因。并以国内外房地产贷款业务风险控制理论为依据,对长沙农行房地产信贷风险控制从体制建设、操作风险控制、环境建设等方面提出了十二条措施和建议。其风险控制的设想具有普遍性、针对性、前瞻性。在风险分析中,根据长沙农行的房地产贷款的特点,围绕土地开发、楼盘项目建设、销售、最终成为购房者的消费品的各个循环周期描述贷款的风险点,站在商业银行的视角,具体分析其产生的内因和外因。美国是房地产金融领先的国家,也是许多房地产金融产品的创立国。作者针对长沙农行房地产贷款的风险点,结合美国在贷款分析、风险评价、住房贷款证券化等方面的做法和先进经验,从建立健全营销管理体制、控制操作风险、建设外部环境等三个方面进行了深入研究,提出了细分市场、专业化经营、动态监督、精细化管理等房地产贷款业务新观念。更多还原

【Abstract】 The development of the real estate industry is connected with the national economy and the people’s livelihood. Chinese economy has been growing well and rapidly, which stimulates the development of the urbanization and the house commercialization as well as the real estate industry and credit. And it has exerted important influence on adjusting economy structure and speeding up the economy development. Moreover, the real estate industry is a typical fund-focused industry that needs a lot of capital support. Now the real estate financing channel in our country is narrow. These years, to the developers and buyers, the main financing way is banking loan in spite of some overseas investing trust fund and real estate agencies marketed at home and abroad. Commercial banks directly or indirectly endure all marketing risks and credit risks formed in the course of the development of the real estate industry through land reserving loan, real estate developing loan, floating capital loan of construction industry and housing consumption loan .The Agricultural Bank of China Changsha Branch is a second grade branch under the vertical management of the H.O. with 15 sub-branches in Changsha zone. In the past, the development of the real estate credit business is not very good in Changsha Branch. The bad loan rate of real estate corporation and individual housing is far exceeding the warning level. The bad loan rate can not be brought down. The potential risks are constantly uncovered. The author studies the real estate loan practice of the Agricultural Bank of China Changsha Branch. He analyzes impersonally the present development of the real estate industry and finance in Changsha City on the background of real estate status quo in Changsha Ctiy. The author analyses the real estate loan structures and risks management status in Agricultural Bank of China Changsha Branch. He prompts the present and future risks in three sides such as macroscopical policy, enterprises management and banking loan. Moreover, he analyses the reasons why risks are formed in all the steps in the loan management. The article puts forward twelve measures and suggestions in areas of system building, operation risks control and environmental construction.The proposal of the risk and control has the pertinency, catholicity and forward looking. According to the characteristics of the real estate loan in Changsha Branch, the author concretely analyzes the intrinsic factor and extrinsic factor of the risks in the area of landing developing, building projects and selling house in Changsha Branch. He presents all kinds of risks in the aspect of the commercial bank. As we know, USA is not only the leading country in real estate finance, but also the founder of many real estate finance products. For the risks in the real estate loan in Changsha Branch, the author puts forward new concepts like fractionizing markets, specialization work, dynamic supervision and fine management. He gives a deep study in three areas such as setting up marketing management system, controlling operation risks and building up external environment via referring to advanced experiences in loan analysis, risks evaluation and housing loans securitization from USA.更多还原