房地产信贷的风险分析和防范政策

房地产信贷的风险分析和防范政策

摘 要

随着经济体制改革的不断深入，国家有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，在房地产投资风险分析和风险防范方面作一些思考，具有特定的现实意义。本文分析了房地产投资的风险，揭示了房地产金融投资风险的成因，并提出了银行房地产信贷的风险防范措施。以期在房地产金融风险防范方面能引以借鉴。

金融业是国民经济中一个十分重要的行业，通过它的融资和支持功能，一直产生着加速各行各业和国民经济发展的巨大作用。房地产业目前是我国国民经济中的一个重要的支柱产业。它的发展，对于发展经济和提高生活，拉动相关行业发展，扩大内需，促进国民经济的发展，都产生着极为重要的作用。房地产业是资金密集型的产业，房地产的发展离不开金融业的支持和投入，而房地产业存在着资金需求量大和自我积累有限的局限性，给金融投资带来巨大风险，因此如何规避金融风险，积极促进房地产业持续健康地向前发展将是我国当前十分重要的任务。

目 录

中文摘要·········································································································································· Ⅰ 一、房地产和信贷的含义及其联系 ··················································································· X

（一）金融机构总部和外资银行设在武汉的少，金融主体地位不突出·················1 （二）资本市场总体规模较小，经济贡献度较弱，融资结构不均衡···················· X （三）信用体系建设仍任重道远················································································ X （四）中小企业融资市场不发达，融资难度仍然较大············································ X （五）民间资本启动乏力，民营经济发展缓慢························································ X 二、房地产信贷的风险分析和防范政策

X

（一）充分利用现有的优势，积极争取国家政策支持············································ X （二）建立和完善多层次的资本市场体系································································ X （三）大力培育优质的资本市场主体········································································ X （四）深入拓展资本市场融资机制············································································ X （五）进一步强化以社会信用环境为核心的资本市场生态环境建设···················· X （六）打好创新牌，增强驱动力················································································ X （七）加强金融市场软件建设，优化资本市场环境················································ X 三、关于房地产信贷提几个建议 ······················································································· X （一）积极争取国家政策支持，提高武汉资本市场开放程度···································· X （二）支持武汉本地证券公司，加快金融产业升级，培育多元化金融产业主体················································································································································ X （三）建立多层次资本市场体系················································································· XX （四）完善制度和加强监管························································································· XX （五）优化金融生态,创造良好的资本市场金融产业环境······································· XX （六）建立对金融市场融资风险稳定性监测指标 ························································· XX 注 释······················································································································· XX 参考文献······················································································································· XX 后 记······················································································································· XX

一、 房地产和信贷的含义及其联系