我国房地产金融风险及到其应对策略.doc

摘 要 2011年是否是房地产价格的拐点，为此学者和专家进行了激烈的讨论。这从一方面反映了房地产在我国当前及今后是基础产业和支柱产业，将继续拉动国民经济的增长；另一方面也说明了目前我国房地产投资出现过热。房地产与金融已经相互渗透，房地产投资严重依赖银行贷款，一旦房地产出现下降趋势，银行长期以来积聚的风险便可能恶化，不良贷款难以消化。 风险是客观存在的，它不仅存在于房地产投资中，在银行贷款中也大量存在。我们所做的不是彻底的拒绝风险而是有效避免和降低风险发生的概率。对房地产金融风险的研究不仅可以为普通消费者服务，也可以为政府的宏观政策提供依据。在设计我国房地产金融体系和发展战略时，一定要立足于我国国情，要遵循市场发展的客观规律,认清我国房地产金融发展趋势，找出我们的差距，并在房地产金融创新方面提出相应思路，这才是我们转变房地产金融发展方式、构建适合我国国情的房地产金融体系的出发点和归宿点。 关键词：房地产 房地产金融风险 创新 Abstract Whether the price of real estate is inflection point in 2011, scholars and experts have been disputing for many times, and this has reflected in the real estate industry .Estate industry is the basis for our current and future pillar industry which will continue to stimulate the growth of the national economy； the other hand it also shows the current overheated investment in real estate. Real estate and finance have been infiltrated; real estate investment is heavily dependent on bank loans. Once the downward trend in real estate, banks may worsen the risk of long accumulation of bad loans will be difficult to digest. Risk is an objective existence; it not only exists in the real estate investment, the existence of large numbers of bank loans. We do not completely reject the risks but to effectively prevent and reduce the probability of risk. Research on financial risks of real estate not only serve for the general consumer , but also provide the basis for the government’s macroeconomic policies. When we design financial system and growing strategy of real estate, we should based on our national conditions, follow the objective law of the market progress, recognize the real estate financial development tendency, find the distance of them, and propose innovate thinking of real estate financial. This is our starting and finishing point of changing development ways and building system of real estate which fit for our national conditions financial. Key words: real estate; financial risk of real estate; innovation 目 录 1. 绪 论 1 2.