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来源：百度知道 编辑：UC知道 时间：2024/05/29 16:05:18
摘要：
房地产类贷款已成为银行的重要资产之一，其贷款质量将对银行业的盈利和风险状况产生深刻影响。我国房地产市场融资以银行间接融资为主，市场风险过度集中于银行体系，以贵阳市金阳新区为例，其房地产市场过热，房价涨幅较大，存在一定的市场风险；流动性过剩积累了越来越多的房地产泡沫；“假按揭”等操作风险也大范围存在；另外，2006至2007年持续加息使得购房者每月支付压力增大使得个人违约风险上升，而2008年由于次贷危机的波及，央行连续降息，虽然有利于金阳新区房地产市场好转，但是此次国际性金融危机所带来的不确定影响依然不容乐观。我们应采取措施抑制信贷冲动，规范贷款行为；完善内部控制，加强外部监管；并利用金融创新分散银行风险。

关键词：金阳新区 房地产市场 住房抵押贷款 风险防范 金融创新
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Abstract:Real estate loan has become one of the important bank assets, whose loan quality will make an deep impact on the earnings and risk conditions of banking industry. Centered on the indirect banking finance, our domestic real estate market financing risks are excessively concentrated on the banking system. Let's take Jinyang New Area of Guiyang for example, the real estate market is overheated with a relatively great housing price rise，which will inevitably causes a certain degree of risks.Liquidity surplus accumulate increasingly more real estate bubble, and Operational risks like "Fake Mortgage" can be found everywhere. Moreover, the continuous bank interest rises between 2006 and 2007 boost more monthly payment pressure toward consumers and meanwhile raise the personal defaulty risks. With the influence of financial crisis of this year and the continuous interest reduction of central bank,the real estate market of Jinyang Area is turning for the better, but t