房地产信用

论文首先从房地产信用的定义出发，介绍了房地产信用体系及其在我国发展的历史沿革，特别强调了从2003年起，政府和央行相继采取措施，通过宏观调控来干预房地产市场。

Beginning with the definition of real estate credit , the thesis firstly introduces the real estate credit system and its development history in China .

商业银行对房地产企业信用风险评价研究

Study of Credit Rating Methods for Real Estate Enterprises of Commercial Bank

我国房地产行业信用体系分析

The Credit System Analysis of Real Estate Industry in China

房地产企业信用评价体系的构建与应用

Construction and applied of credit evaluation index system of real estate enterprise

贾仁甫等（2009）构建了房地产企业信用评价指标体系，并用模糊综合评价法确定了各指标的权重。

Jia Renfu ( 2009 ) established real estate enterprises'credit evaluation index system and adopted fuzzy comprehensive method to identify the weight of each index .

第二章介绍大连农行现行房地产客户信用评级体系，指出存在的缺陷。

The existent credit rating system of real estate clients in the Agricultural Bank of China Dalian Branch and its defects are introduced in the second chapter .

安徽省房地产市场信用建设研究，是社会主义荣辱观大讨论在安徽房地产领域的具体体现。

The Anhui Province real estate market credit construction research , is the socialism outlook for honor and dishonor big discussion specifically manifests in the Anhui real estate domain .

本章首先对商业银行房地产贷款信用风险的概念进行了界定，然后对商业银行房地产贷款单笔暴露和组合暴露信用风险的基本要素进行了分析。

Firstly this chapter defines the credit risk of real estate loans of commercial banks , then this chapter investigates the basic factors of the credit risk of single real estate exposure and the credit risk of real estate loans portfolio of commercial banks .

竞争、垄断、管制&房地产估价业信用状况探析

Competition , Monopolization , Ragulation : The Credibility Analysis of the Real Estate Appraisal

在此基础上，论文构建了房地产开发企业信用评价模型。

Secondly , a credit index evaluation model of real estate development enterprise was constructed .

对目前实施的房地产开发企业信用评价的一般方法进行了横向比较。

For the current the general method of real estate development companies in the implementation of the credit evaluation is for the transverse comparison .

最后，从内部和外部两方面提出提升我国房地产开发企业信用水平的具体途径。

At last , from internal and external two ways proposed to improve our real estate development companies the standard of the specific ways of credit .

为解决这个问题，文章尝试探索一套简单、实用的房地产开发企业信用评价指标体系，通过一些比较容易获得的指标，衡量房地产开发企业信用状况，帮助普通投资者和消费者降低购房风险。

To solve the problem , this paper tries to found a credit evaluation index system of real estate development enterprises that is simple but helpful , with some easy acquired index to value enterprises ' credit , and eventually to assist them decrease risks in buying houses .

一些人担心房地产泡沫或者银行信用危机。

Some fear a property bubble or a banking crisis .

因此房地产行业贷款的信用风险主要集中在商业银行内部。

So the credit risk of real estate loans mainly is concentrated on the internal commercial Banks .

在商品房销售过程中，仅靠合同的约束力和房地产开发商对诚实信用的自觉遵守难以维护购房人的合法利益。

In the course of commercial transactions , it is not enough to safeguard the legitimate interests of buyers by the binding of the contracts or abiding by honesty and credibility .

我国银监会曾多次要求各商业银行针对房地产贷款进行微观压力测试，但是本文以房地产类贷款信用风险的宏观压力测试为切入点进行了实证研究分析。

The CBRC has repeatedly asked commercial banks for micro stress-testing on real estate loans , but the empirical research and analysis of this paper is focused on the macro stress-testing .

最后应用建设银行的一个房地产贷款案例进行实例分析，得出本文建立的评价体系在评价房地产企业信用风险时有效的结论。

Finally , using a real estate enterprise lending case of china construction bank to verify the model , and comes to a conclusion that the evaluation system is effective .

紧接着从房地产的行业特殊性出发分析了建设银行房地产企业贷款的现状，重点介绍了建设银行房地产企业贷款信用风险评价体系，分析了该体系的特点和不足。

Then , analyze the status of real estate enterprise loans in china construction bank from the particularity of real estate , focus on the credit risk evaluation system of real estate enterprise loans , point out its characteristics and shortcoming .

因此，商业银行必须对自身的房地产行业客户评级系统不断的进行完善和改进，设计恰当的房地产行业客户评级方法，这样才能有效防范湖南省房地产行业客户信用风险。

Therefore , commercial banks must improve and perfect continuously their own real estate customer rating system , so as to effectively guard against the real estate industry customer credit risk in Hunan .