房地产泡沫对金融业的影响及对策.docVIP

房地产泡沫对金融业的影响及对策5306 房地产泡沫对金融业的影响及对策 姓 名： 张鑫 学 号： 201113110151 指导教师： 童广印 学 院： 经济与管理学院 专 业： 财务管理 完成日期： 年 月 日 摘 要 近年来，随着对中国持续的住房制度改革的不断推进的快速增长，国民经济和城市化进程的加快，中国的房地产业呈现出快速发展的态势，逐渐成为国民经济的支柱产业。同时，随着房地产金融的快速发展，并发挥了决定性的作用，对房地产业的发展，成为房地产行业发展的重要支撑。 然而，房地产行业是一个高风险的行业，同时支持房地产业的快速发展房地产金融，不可避免地承担了房地产业的高风险。在我国，由于融资渠道单一，商业银行成为房地产金融风险的主要承担者。所有的迹象都表明，我国的房地产金融隐藏着潜在的风险，商业银行。历史的教训，房地产金融风险具有极大的危害性，一旦爆发，迅速蔓延到整个金融体系的稳定和发展，甚至影响整个国民经济。因此，采取积极措施防范房地产金融特别是金融风险对商业银行的房地产已刻不容缓。本文从目前中国房地产金融的发展状况入手，对中国的房地产泡沫对金融业的影响的分析和研究，并通过对西方发达国家房地产金融风险的分析，结合中国的实际情况，提出了对房地产金融政策的建议和策略的综合风险。 【关键词】房地产泡沫；金融业；影响；对策 Abstract In recent years, with the sustained and rapid growth of China#039;s housing system reform unceasing advancement, the national economy and the city to speed up the process, China#039;s real estate industry showing a trend of rapid development, has gradually become a pillar industry of the national economy. At the same time, along with the rapid development of real estate finance, and play a decisive role to the development of real estate industry, has become an important support for the development of the real estate industry. However, the real estate industry is a high-risk industry, real estate finance in supporting the rapid development of real estate industry at the same time, will inevitably bear the high risk of the real estate industry. In our country, because the financing channel is unitary, the commercial banks become the main undertaker of financial risk in real estate. There are signs that China#039;s commercial banks in real estate finance has hidden significant potential risks. The lessons of history shows that the real estate financial risk has great harm, once the outbreak, spread rapidly to the stability and development of the whole financial system and even affect the entire national economy. Therefore to take positive measures to prevent real estate finance especially the real estate financial risk is