商业银行房地产信贷风险及其控制.doc

商业银行房地产信贷风险及其控制 ［ ］房地产信贷是银行信贷业务的重要内容之一。随着经济体制改革的不断深入，W家 奋关部门就加强金融宏观调控作用、促进房地产市场持续健康发展出台了一系列措施。因此， 加强对房地产投资风险的分析和提高风险防范意识具有特定的现实意义。与此同时房地产信 贷随之快速发展，并对房地产业的发展发挥着举足轻重的作用，成为房地产发展的重耍支撑。 本文对当前我国可能存在的商业银行房地产信贷风险进行了分析，并尝试在新的政策背景下, 提出相应的风险规避或防范措施。 ［关键字］房地产银行信贷风险防范 Real estate credit risk and risk control of commercial banks in real [Abstract] Real estate credit is one of the important content of bank credit business. With the deepening of economic system reform, the relevant state departments will strengthen the financial macro-control, the real estate market to promote the sustained and healthy development of the introduction of a series of measures. Therefore, is of certain practical significance to strengthen the real estate investment risk analysis and improve risk prevention consciousness. At the same time, along with the rapid development of real estate credit, and play a decisive role for the development of real estate industry, has become an important support for real estate development. This paper has carried on the analysis to the real estate credit risk of Commercial Bank of our country may exist at present, and try in the context of the new policy, put forward the corresponding risk avoidance or prevention measures. [Key word] Real estate Bank credit Risk prevention 目录 TOC \o 1-5 \h \z 弓I言 1 HYPERLINK \l bookmark6 \o Current Document \h 一、 房地产信贷定义以及特点 1 （一） 房地产信贷定义 错误!未定义书签。 HYPERLINK \l bookmark8 \o Current Document \h （二） 房地产贷款具有以下特点 1 HYPERLINK \l bookmark9 \o Current Document \h 二、 房地产业与银行信贷的关系 2 HYPERLINK \l bookmark10 \o Current Document \h （一） 房地产经营活动的全过程都需要银行信贷的支持 2 HYPERLINK \l bookmark11 \o Current Document \h （二） 房地产业发展促进银行业发展 2 HYPERLINK \l bookmark12 \o Current Document \h 三、 房地产开发贷款的主要风险 3 HYPERLINK \l bookmark13 \o Current Document \h （一） 宏观政策风险 3 HYPERLINK \l bookmark14 \o Current Document \h （二） 风险测度模型 3 HYPERLINK \l bookmark15 \o Current Document \h （三） 市场自身风险 4 HYPERLINK \l bookmark16 \o Current Document \h （四） 企业经营风险 4 HYPERLINK \l