房地产抵押价值评估中被动高估风险的成因分析  

Reason analysis of real estate industry mortgage value evaluation passive over-estimate

作　　者：周霞[1,2] 王德起[2] 

机构地区：[1]北京建筑工程学院经管学院,北京100044 [2]首都经济贸易大学,北京100026

出　　处：《特区经济》2011年第11期299-301,共3页Special Zone Economy

基　　金：土地市场动态分析与决策支持系统研究(项目编号:70673066);教育部人文社科项目:土地市场制度完善及调控管理创新(项目编号:10YJA790178)等课题资助

摘　　要：2010年以来,中国人民银行和银监会多次提示各家商业银行关注资产泡沫上涨等原因造成的贷款系统性风险,一再收紧银根并加强对存量贷款的风险管理。本文剖析了房地产抵押贷款评估中三个关键概念的混淆,指出这是造成被动高估风险的主要成因。建议重新审视现有抵押评估技术准则,以非公开市场基准下的抵押价值代替市场价值,并更多地考虑成本法和收益法的应用,以防止上述风险在新增房地产抵押贷款中的产生和扩散。People＇s Bank of China and CBRC had warned all commercial banks to prevent the systemic risks of loans resulted by assets bubbles,squeezed credit and taken some methods to strengthen the management of loan risks.This paper analyzed how the passively overestimated risk formed by confusion of three Key concepts,advised the reconsidering of existing technical guidelines of collateral value appraisal,and pointed out that it should be an effective way to prevent the spreading of overestimated risks in new loans that taking the non-market value as the basis of appraisal,and using the cost approach or income approach more in practice.

关 键 词：房地产抵押价值评估 被动高估风险 抵押价值 长期均衡价格 估价方法 

分 类 号：F293.3[经济管理—国民经济] F832.4