商业银行房地产贷款评估项目评价研究

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1、西南交通大学硕士学位论文商业银行房地产贷款评估项目评价研究姓名：钟茜申请学位级别：硕士专业：技术经济及管理指导教师：王明亮20071102西南交通大学硕士研究生学位论文第1l页束条件，这样能更为准确有效的分析目标问题。第四个部分是实证研究部分。笔者站在银行决策者的角度，从项目的财务效益、企业的财务状况等方面因素进行分析，通过改进后的DEA、AHP方法的结合，从一批申请房地产贷款项目中选出可以获得贷款的项目，最后与现实中获得贷款的项目进行比较，给出对策建议，并指出了在研究过程中的一些不足以及对今后研究工作的展望。关键

2、词银行贷款项目；项目评价；改进后的数据包络分析；层次分析法西南交通大学硕士研究生学位论文第1II页AbstractBasedontheinnovationoftheNationalFinancialSystem，especiallyduringopeningoftheChinesefinancialmarkettotheworldafterjoiningtheWT0in2001，foreignbankshavegainedbetteropportunitiesinChina，pushingChinesebanksi

3、ntoanageofperfectcompetition．LoansarestillthemainsourceofincomeforChinesecommercialbanks．Notably，itisalsothelargestsourceofincomeforthefourmajorstat——ownedbanksinChina．。The10anevaluationisthechiefprocedureinbankingloanswhichprovidesdirectreferenceforthedecisio

4、n—making．Italsoplaysakeyroleinthemanagementafter10an．Theactualevaluationmethodshavemanydeficiencieswhichcouldreducethereliabilityofevaluation．Itisnecessarytoanalyzetheactualmethodssincethequalityoftheevaluationwilldecidethevalidityofthedecision—making，thebanka

5、ssetsaswellasthebenefits．Thus，loanassessmentmethodhasasignificanteffortonthethreeareasABOVEespeciallyinimprovingChinesebankingmanagementlevelandtheircompetitivepower．ThethesiscombinestheimprovedDEA／AHPwiththedemonstrations。providingabrandnewmethodforthefutureb

6、ank10anassessmentandflow．Thewholepaperiscomposedoffourparts：Thefirstpartisthediscussionoftheoriesregardingloanassessmentmethods．Itisdetailedanalyzedonthemainlydevelopedprocessofourcountrycreditriskcognitionandestimatingmethod．Itisexpoundedthecreditriskappraise

7、smethodsofthreedevelopedstages--plannedeconomyperiod、plannedcommodityeconomyperiodandmarketeconomyperiod。Andthedifferenceofcurrentlyoverallevaluationandnskdegreecalculatingispointedout．Thesecondpartisassessmentsofcommercialbanks’realty10an西南交通大学硕士研究生学位论文第1V页pr

8、ojects．Connectionanddifferenceofprojectsappraisalandfeasibilitystudyhavebeenanalyzed．Contentandmethodhavebeenexpoundeddetailedofrealestateloanprojectsappraisalcurrentlyineffect．The