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1、實(shí)用文檔淺談房地產(chǎn)抵押貸款評(píng)估中存在的問(wèn)題及對(duì)策摘要：近些年來(lái)，伴隨著經(jīng)濟(jì)的改革，我國(guó)房地產(chǎn)行業(yè)的蓬勃發(fā)展，同時(shí)房地產(chǎn)抵押貸款逐漸增加，已成為企業(yè)及個(gè)人在各商業(yè)銀行擔(dān)保貸款中舉足輕重的部分,而房地產(chǎn)抵押估價(jià)結(jié)果是各商業(yè)銀行給貸款方提供貸款額度的重要依據(jù)，因此房地產(chǎn)抵押估價(jià)是否客觀公正，關(guān)系到金融機(jī)構(gòu)、借款人（抵押人）及評(píng)估機(jī)構(gòu)的切身利益，房地產(chǎn)抵押貸款評(píng)估也變得十分重要，但我國(guó)房地產(chǎn)評(píng)估行業(yè)尚處于發(fā)展的階段，在房地產(chǎn)抵押評(píng)估的同時(shí)存在著一系列的問(wèn)題，而這些問(wèn)題又會(huì)或多或少的影響房地產(chǎn)抵押貸款的風(fēng)險(xiǎn)，因此解決房地產(chǎn)抵押貸款評(píng)估的問(wèn)題，將會(huì)
2、利于房地產(chǎn)抵押的發(fā)展。本文首先闡述房地產(chǎn)抵押貸款評(píng)估概念的基礎(chǔ)，房地產(chǎn)抵押貸款的基本評(píng)估方法及各方法的使用范圍，然后在此基礎(chǔ)上敘述從各方面分析目前房地產(chǎn)抵押貸款評(píng)估中存在的主要風(fēng)險(xiǎn)及產(chǎn)生的原因，然后提出在房地產(chǎn)抵押貸款評(píng)估存在的問(wèn)題，在此基礎(chǔ)上針對(duì)其問(wèn)題提出了一系列有效可行的措施，以此來(lái)防范房地產(chǎn)抵押估價(jià)風(fēng)險(xiǎn)及房地產(chǎn)抵押貸款風(fēng)險(xiǎn)，促進(jìn)我國(guó)房地產(chǎn)估價(jià)業(yè)和房地產(chǎn)金融業(yè)的良性可循環(huán)發(fā)展。關(guān)鍵詞：房地產(chǎn)抵押；抵押估價(jià)；估價(jià)人員；金融風(fēng)險(xiǎn)Abstract：Inrecentyears,withtherapiddevelopmentofeconomi
3、creform,China'srealestateindustry,andrealestatemortgageloansincreasedgradually,hasbecometheplayadecisiveroleinthecommercialbankloanguaranteesinthepartoftheenterpriseandindividual,andrealestatemortgageappraisalresultsisthecommercialbanksforloanstoprovideanimportantbasisfo
4、rtheamountoftheloan,sorealrealestatemortgageappraisalisanobjectiveandfair,tofinancialinstitutions,theborrower(collateral)andassessmentagencies'vitalinterests,realestatemortgageloanevaluationhasbecomeveryimportant,buttherealestateindustryevaluationofChinarealisstillinthed
5、evelopmentstage,atthesametimeassessmentoftherealestatemortgageexistaseriesofproblems,theriskofthesetheproblemwillberealestatemortgages文案大全實(shí)用文檔moreorlessaffected,sotosolvetherealestatemortgageassessmentoftheproblem,willbeconducivetothedevelopmentoftherealestatemortgage.Th
6、ispaperfirstlydescribestherealestatemortgageloanassessmentconcept,usingthescopeofthebasicevaluationmethodofrealestatemortgageandthemethod,andthenonthebasisoftheanalysisofmainrisksexistinginthecurrentrealestatemortgageassessmentandcausesinallaspects,andthenputforwardtheev
7、aluationproblemsintherealestatemortgage,onthebasisoftheproblemandputforwardaseriesofeffectivemeasures,inordertoguardagainsttheriskofrealestatemortgageappraisalofrealestatemortgagerisk,promoteChina'srealestateindustryandtherealestatefinancialindustrysustainabledevelopment
8、.KeyWords：Realestate;Mortgageappraisal;Valuation;Financialrisks當(dāng)前，伴隨著經(jīng)濟(jì)的改革,我國(guó)房地產(chǎn)行業(yè)有了飛速的發(fā)展，同時(shí)房地產(chǎn)抵押貸款逐漸增加
