信托公司房地产信托市场风险评估——以粤港澳大湾区为例

Trust Company Real Estate Trust Market Risk Assessment——Taking Guangdong,HongKong and Macao as an example

房地产行业是资金密集型行业,其具有建设周期久、投资大且供应链长,需要大量的资金支持的特点,但是我国房地产行业的融资渠道十分有限,作为主要融资方式的银行信贷受宏观经济调控的影响,其信贷额度也极大地受到了限制。在银行信贷紧缩的情况下,通过房地产信托进行融资以确保资金充足,成为了房地产企业的一个理想选择。但是,房地产信托在稳步发展的同时,其潜在的风险不容忽视。对于信托公司而言,房地产信托业务遭受市场风险是其最重要的关注点之一,有效地识别房地产企业风险,选择优质标的能够显著降低房地产信托业务的风险水平,保护信托公司以及广大投资者的利益。因此,对信托公司房地产信托业务市场风险进行评估具有非常重要的理论和现实意义。

The real estate industry is a capital-intensive industry.It has the characteristics of long construction period,large investment and long supply chain,and needs a lot of financial support.However,the financing channels of China’s real estate industry are very limited,and the bank credit as the main financing method is subject to The impact of macroeconomic regulation and control,its credit line is also greatly limited.In the case of a tight bank credit,financing through real estate trusts to ensure adequate funding has become an ideal choice for real estate companies.However,while the real estate trust is developing steadily,its potential risks cannot be ignored.For trust companies,the real estate trust business is one of its most important concerns because of market risk.It can effectively identify the risks of real estate enterprises.Selecting high quality targets can significantly reduce the risk level of real estate trust business,and protect trust companies and investors.interest.Therefore,it is of great theoretical and practical significance to evaluate the market risk of the trust company’s real estate trust business.