|
內蒙古翻譯公司關鍵字：Status by other funding sources for real estate analysis revealed the existence of the current financial risks of real estate, development real estate investment fund that is a way to broaden the financing channels of real estate the way. With the current actual situation of China's real estate market, use the SWOT analysis method for real estate investment fund a comprehensive study.real estate; investment funds; SWOT method IntroductionThe real estate industry is capital-intensive industry, a feature that determines the real estate industry is essentially a quasi-financial industry, so for the real estate industry, access to finance and expand financing channels is the key to the healthy operation of the real estate industry. Relative to developed countries, real estate financing, the country's real estate finance market is not complete, our main way of financing the real estate business through bank loans, capital markets and other financing is relatively backward, in this case the real estate market there is a considerable financial risk. Therefore, analysis of China's real estate finance situation and existing problems and propose solutions to solve the financing difficulties of the real estate business, to resolve the banks real estate credit risk, and promote the healthy development of China's real estate industry, to improve people's living standard key. The current real estate finance riskAs the real estate industry financing channels narrow, the current six hidden risk of real estate finance.First, the overheated real estate market in some areas there is market risk. Real estate prices rose too fast too likely to cause market prices deviate from its true value, resulting in foam. Once the bubble burst in real estate prices, real estate as collateral will depreciate even shrunk dramatically, to the bank is not a small loss.Second, real estate development companies with high debt implied financial risk management. China's real estate developers through various channels to obtain the bank financing of its assets ratio above 70%. Beijing, for example 2000 to 2002, real estate development company in Beijing was 81.2% on average assets and liabilities.Third, the "fake mortgage" highlights the moral hazard. False mortgage housing loans have become the source of the most important risks. According to the China Industrial and Commercial Bank consumer credit department estimates that the bank's housing loans in non-performing assets, 80% is due to "fake mortgage" caused.Fourth, the primary bank real estate loans issued there is operational risk.Fifth, land development loans have a greater credit risk.Sixth, the law of real estate loans increased risk. Supreme Court October 26, 2004 issued the "People's Court Supreme People's Court on the civilian implementation of the attachment, seizure, freezing of property of", which under Article VI, "on the debtor and his dependent family members required for life residential housing, the court may seal, but not auction, sell or mortgage ", which means that if the homeowner refuses to repay loans, banks can not sell their dwellings to recover loans, commercial banks increased housing credit risk.
|