地产融资风险识别与防范问题研究.pdf

河北地质大学硕士学位论文 摘要 房产的刚性需求决定了房地产行业在我国经济发展中特有的基础性，我国的房 地产企业自 1990 年起有了突飞猛进的发展，在这一发展进程中大多房地产企业都采 用单一的模式进行融资以取得建筑资金，但是过快的发展给房地产行业和国家经济 的发展均带来了一系列问题，对我国经济健康稳健的发展带来了威胁。虽然国家在 近年来一直对房地产行业进行调控改革，但是房地产行业融资风险的防范和识别仍 然是抑制房地产行业发展的重要因素。 S 地产集团当前在我国房地产行业中具有举足轻重的地位，本文针对性的对 S 地产集团的融资模式及融资环境列举案例并进行深入研究，重点分析了 S 地产公司 的七种主要融资模式，结合调查表识别出 S 地产公司融资风险点并对其产生原因进 行了分析，提出了 S 地产公司在应对企业内外部风险的防范对策和具体操作建议。 同时，在前人的研究基础上，依据当前房地产企业融资环境的变化，分析了当前我 国房地产企业面临的融资风险及普遍存在的问题，文章得出以下结论：解决房地产 业融资风险的基本途径是融资渠道多元化；建立完善的房地产行业金融风险预警机 制迫在眉睫；对房地产企业来说，建立合理融资规划的保障及前提是合理的降低企 业资产负债率。最后，对我国房地产市场在增强融资风险的识别与防范方面进行了 展望。 关键词：房地产；融资风险识别；风险防范；S 地产公司 4 河北地质大学硕士学位论文 ABSTRACT The rigid demand for real estate determines the unique foundation of the real estate industry in Chinas economic development. Since 1990， the real estate enterprises in China have made rapid development. In this development process， most real estate enterprises have adopted a single mode of financing to obtain construction funds，but the rapid development has brought a series of problems both to the real estate industry and national economic development. It is a threat to the healthy and steady development of Chinas economy. Although the state has been regulating and reforming the real estate industry in recent years ， the prevention and identification of the financing risk of the real estate industry is still an important factor to inhibit the development of the real estate industry. S real estate group plays an important role in Chinas real estate industry at present. In this paper, the financing mode and financing environment of s real estate group are listed and studied in depth. Seven main financing modes of s real estate are analyzed, and