论文房地产金融风险及对策VIP免费

I摘要房地产金融风险及对策摘要近年来，西安市房地产业逐渐成为西安市经济发展中的支柱产业，为西安市经济的持续增长和财政收入的持续增加做出了重要的贡献。随着西安市房地产市场和资本市场的快速发展，房地产金融发展迅速，房地产价格的快速上升已经超出了居民可购买承受能力范围，使得西安市房地产金融风险不断增长，过高的房价收入比和住户购房杠杆的攀升，使得西安市房地产金融风险处于较高的状态。这使防范房地产金融风险、维护金融稳定成为西安市当前和今后时期经济和金融发展的首要任务，因此，研究西安市房地产金融风险及防范对策具有重大的理论和现实意义。关键词：房地产；金融；金融风险论文类型：理论研II目录目录1绪论.....................................................................................................................11.1研究背景..................................................................................................11.2研究意义..................................................................................................11.2.1现实意义.......................................................................................11.2.2理论意义.......................................................................................11.3文献综述..................................................................................................21.3.1国内研究现状...............................................................................21.3.2国外研究现状...............................................................................22房地产金融相关概念.........................................................................................22.1房地产金融..............................................................................................22.2房地产金融风险......................................................................................32.3房地产金融风险形成的过程..................................................................43房地产金融现状.................................................................................................53.1房地产行业资产负债率持续增长..........................................................53.2房价下降明显..........................................................................................54房地产金融存在的风险.....................................................................................64.1房地产企业投融资风险增大..................................................................64.2个人住房消费信贷违约风险增大..........................................................74.3银行自身存在操作风险..........................................................................74.4土地储备的金融风险..............................................................................85房地产金融风险防范建议.................................................................................85.1提高投资者理性投资意识......................................................................85.2加快房地产企业资产负债率合理化步伐..............................................95.3银行加强操作风险的防控......................................................................95.4完善土地政策........................................................................................10总结......................................................................................................................10致谢..........................................................................