發(fā)布時間：2018-04-26 13:21

  本文選題：房地產(chǎn)業(yè) + 信托�。� 參考：《吉林財經(jīng)大學(xué)》2013年碩士論文

【摘要】：自改革開放以來，我國房地產(chǎn)業(yè)取得了迅猛的發(fā)展。從2004年8月，國務(wù)院8號文件明確規(guī)定了房地產(chǎn)業(yè)作為我國國民經(jīng)濟(jì)的重要支柱產(chǎn)業(yè)，肯定了它對國民經(jīng)濟(jì)的穩(wěn)定和健康發(fā)展，起著重要的作用。隨著國民經(jīng)濟(jì)的發(fā)展，我國的房地產(chǎn)業(yè)從計劃經(jīng)濟(jì)轉(zhuǎn)型到市場經(jīng)濟(jì)，由最開始的單一的依賴政府和銀行投資放貸，到如今結(jié)合金融行業(yè)的發(fā)展，與多種投資渠道相聯(lián)系，衍生出新的房地產(chǎn)金融產(chǎn)品，不僅有利于房地產(chǎn)業(yè)的發(fā)展，同時也拓展了社會經(jīng)濟(jì)的投資品種，是經(jīng)濟(jì)發(fā)展的大勢所趨。 隨著近幾年，經(jīng)濟(jì)帶不斷地發(fā)展，城市化進(jìn)程加快，居民對房產(chǎn)的要求不斷增加，促使房地產(chǎn)業(yè)迅速發(fā)展，房價不斷抬高。為了抑制潛在的房地產(chǎn)泡沫，從2006年起，央行先后幾次上調(diào)基準(zhǔn)利率，提高貸款利率，使得房地產(chǎn)業(yè)融資困難重重；同時，房地產(chǎn)業(yè)本身屬于周期長、成本高的行業(yè)，而銀行放貸給房地產(chǎn)公司，如果不能在短期內(nèi)周轉(zhuǎn)資金，將會給銀行業(yè)帶來巨大的風(fēng)險。因此房地產(chǎn)信托的產(chǎn)生與發(fā)展，不僅解決了房地產(chǎn)業(yè)的融資“瓶頸”，同時也進(jìn)一步推進(jìn)了房地產(chǎn)業(yè)的發(fā)展。 本文整體共分為五個部分： 第一部分為引言。主要介紹本文當(dāng)前的選題背景，本文所要的研究目的、研究意義，以及通過國內(nèi)外的研究現(xiàn)狀，尋找適合我國的發(fā)展模式。 第二部分為信托、房地產(chǎn)信托及REITS理論的概述，介紹信托及房地產(chǎn)信托的概念和類型，及其理論基礎(chǔ)。 第三部分是本文的重點，分析我國當(dāng)前的房地產(chǎn)信托投資的發(fā)展?fàn)顩r，介紹興起的原因，發(fā)展歷程、發(fā)展的模式和當(dāng)前所面對的問題。通過回顧我國房地產(chǎn)信托的發(fā)展歷程，，隨著我國經(jīng)濟(jì)的不斷變化，分析我國房地產(chǎn)信托的不同運作模式，評價每種模式的實行和運作特點，探討未來的發(fā)展模式。 第四部分為介紹房地產(chǎn)信托投資國外的發(fā)展模式及我國的借鑒。介紹美國REITS當(dāng)前發(fā)展的狀況和發(fā)展環(huán)境；介紹我國未來房地產(chǎn)信托的發(fā)展模式。 第五部提出完善我國房地產(chǎn)信托投資的發(fā)展對策研究。為了促進(jìn)和推動我國房地產(chǎn)業(yè)的不斷發(fā)展，筆者結(jié)合美國等發(fā)達(dá)國家當(dāng)前的發(fā)展模式，分析和探討適合我國房地產(chǎn)信托的制度環(huán)境和法律環(huán)境，在如何完善我國房地產(chǎn)信托業(yè)的發(fā)展中，提出對策，建議建立完善體制制度、環(huán)境制度、和人才的建設(shè)。 總之，房地產(chǎn)信托是金融行業(yè)發(fā)展到一定階段的必然產(chǎn)品，同時也是房地產(chǎn)融資的必要組成部分。它不僅為廣大社會投資者提供了更為理想的投資理財產(chǎn)品，同時，也拓展了房地產(chǎn)業(yè)的融資渠道，改變了先前對銀行單一的貸款依賴，也降低了銀行業(yè)的不良貸款風(fēng)險。筆者希望通過本文的探索和研究，能夠提出促進(jìn)房地產(chǎn)信托業(yè)的發(fā)展，進(jìn)一步推動我國當(dāng)前的房地產(chǎn)發(fā)展。
[Abstract]:Since the reform and opening up, China's real estate industry has made rapid development. From August 2004, document No. 8 of the State Council clearly stipulated that the real estate industry is an important pillar industry of our national economy, and affirmed that it plays an important role in the stability and healthy development of the national economy. With the development of the national economy, the real estate industry in our country has been transformed from a planned economy to a market economy. From the beginning of the single reliance on government and bank investment and lending, to the development of the financial industry, the real estate industry has been linked to a variety of investment channels. The derivative of new real estate financial products is not only conducive to the development of the real estate industry, but also expand the social and economic investment varieties, is the general trend of economic development. With the development of economic belt in recent years, the process of urbanization is accelerating, and the demand of residents for real estate is increasing, which impedes the rapid development of real estate industry and the rising of house price. In order to curb the potential real estate bubble, since 2006, the central bank has raised the benchmark interest rate several times, raising the lending rate, making the financing of the real estate industry very difficult. At the same time, the real estate industry itself belongs to an industry with a long cycle and high costs. Bank lending to real estate companies, if not in the short term working capital, will bring huge risks to the banking sector. Therefore, the emergence and development of real estate trust not only solve the financing bottleneck of real estate industry, but also further promote the development of real estate industry. This paper is divided into five parts: The first part is the introduction. This paper mainly introduces the background of this paper, the purpose and significance of the research, and through the domestic and foreign research status, looking for a suitable development model of our country. The second part is an overview of trust, real estate trust and REITS theory, introduces the concept and types of trust and real estate trust, and its theoretical basis. The third part is the focus of this paper, analyzes the current development of real estate trust investment in China, introduces the reasons for the rise, the development process, the development model and the current problems faced. Through reviewing the development course of the real estate trust in our country, with the constant change of our country's economy, this paper analyzes the different operation modes of the real estate trust in our country, evaluates the implementation and operation characteristics of each kind of real estate trust, and probes into the future development mode. The fourth part introduces the development mode of real estate trust investment abroad and the reference of our country. This paper introduces the current development and development environment of REITS in the United States, and the development mode of real estate trust in China in the future. The fifth part puts forward to perfect the development countermeasure of real estate trust investment in our country. In order to promote and promote the continuous development of the real estate industry in our country, the author analyzes and discusses the institutional and legal environment suitable for the real estate trust in our country, combining with the current development model of the developed countries such as the United States. In order to improve the development of the real estate trust industry in China, the author puts forward the countermeasures and suggests the establishment of the perfect system system, environmental system, and the construction of talents. In a word, the real estate trust is the inevitable product of the financial industry to a certain stage, and it is also a necessary part of the real estate financing. It not only provides a more ideal investment and financial products for social investors, but also expands the financing channels of real estate industry, changes the single loan dependence on banks, and reduces the risk of non-performing loans in the banking industry. The author hopes to promote the development of the real estate trust industry and further promote the development of the real estate industry in China through the exploration and research in this paper.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.23;F832.49

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本文編號：1806193