利率对房地产信贷风险的影响

摘 要

摘 要

随着市场经济的发展，自2000年全国大规模推广住房制度改革以来，我国房地产行业与金融体系的关系越来越密切。目前，我国的房地产市场过热，房地产价格保持高位运行且增长速度较快。利率作为金融货币政策的一个重要工具，能否将房地产价格的增长控制在一个相对平稳的区间内，对于维护房地产市场的稳定至关重要。与此同时，我国房地产业蓬勃发展，房地产贷款也随之快速增加，房地产开发资金约有60％-70％依靠银行贷款，这种现状直接导致银行信贷资产越来越受制于房地产市场的波动，加大了银行信贷风险，必须引起金融业的高度重视。

本文以我国现阶段房地产信贷发展情况为基础，以商业银行个人住房信贷为切入点，通过重点研究利率变动对房价造成的波动，从而产生对房地产信贷一系列的影响，来揭示利率变动对房地产信贷风险产生的部分影响。全文共分为六部分，第一部分主要论述了选题意义和背景，国内外研究现状以及论文论证方法及传导机制；第二部分目前我国商业银行个人住房信贷的目前的发展情况，揭示了我国商业银行个人住房信贷发展存在的不足。第三部分和第四部分以利率对房价的影响为重点，围绕利率影响房价，房价波动影响房地产信贷的传导机制，揭示了利率对房地产信贷风险的影响。第五部分主要针对利率调控房价存在的问题以及我国房地产信贷风险的防范，提出了一系列的建议及对策。第六部分对全文做出总结。

关键词：利率, 房价, 商业银行个人住房信贷, 房地产信贷风险

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XXXX学院本科生毕业设计（论文）

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ABSTRACT

ABSTRACT

With the development of market economy, the national large-scale promotion of housing system reform since 2000, our country real estate industry and the financial system is more and more closely. At present, our country real estate market overheating, real estate prices remain high and growing fast. Interest rate as an important financial monetary policy tool, can control the growth of the real estate prices in a relatively stable interval, is very important to maintain the stability of the real estate market. At the same time, China's real estate industry vigorous development, real estate loans also increases rapidly, the real estate development funds about 60% - 60% rely on bank loans, this situation led directly to the bank credit assets is more and more subject to the fluctuations of the real estate market, increasing the risk of bank credit, the must has drawn great attention of the financial sector.

In this paper, based on the real estate development credit at the present stage in China, to the commercial bank personal housing credit as the breakthrough point, by focusing on the interest rate changes on prices caused by fluctuations, thus the influence of a series of real estate credit, to reveal the interest rate changes some of the impact on the real estate credit risk. The full text is divided into six parts, the first part mainly discusses the significance and background of topics, research status at home and abroad and the thesis argument method and transmission mechanism; In the second part is the current development of China's commercial Banks personal housing credit situation, reveals the deficiency existing in our country commercial bank individual housing credit development. The third and the fourth part, focusing on the interest rates impact on housing prices around the interest rates affect house prices, housing price fluctuations affect the credit transmission mechanism, reveal the influence of interest rate on the real estate credit risk. The fifth part mainly aiming at the existing problem of interest rate control housing prices and the credit risk of real estate in our country, a series of Suggestions and countermeasures are put forward. The sixth part give a summary to full text.

Key Words:Interest rates, prices, commercial bank individual housing credit, real estate credit risk

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XXXX学院本科生毕业设计（论文）

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