| With the progressive development of real estate market in our country,the industry that appraises real estate also gets growing. But in the process more and more questions are exposed,and should be pondered over. As a result of these defects exist, not only the appraisal agencies,appraisers take on more and more risks,but also threaten the development of the whole industry. As the main business types of real estate appraisal,mortgage appraisal of real estate,the proportion is increasing,and has impact on the entire macro-economic more and more deeply. Normative assessment of the real estate mortgage operations has not only set up a bridge connection for real estate and financial services industry,and become an important aspect effectively guard against financial risks,to play an active role on maintaining the real estate market and financial order. How to solve these problems,reduce,to avoid,to digest the risk,become imperative task of the industry.This paper researches from the industry of real estate appraisal,excavates the subsistent problems in the mortgage appraisal of real estate,reveals the risk of evaluation,and gives the approaches of resolving problems and eluding risk. The system of mortgage appraisal of real estate is established. The last,the demonstration of Jinan are analyzed,and the academic level and practical significance of the paper can be step up.The framework includes seven parts: the first part of Introduction discusses the main topic of this article,the background of research at home and abroad,as well as research methods in the article. The second part is mainly to the theory relating to mortgage appraisal of real estate,including the basic theory and real estate mortgage basic cognition. The third part discusses the risks on the mortgage appraisal of real estate,give definition and classification of the risks, to reveal the root causes of risks. The fourth part is the identification and evaluation on the risks of the mortgage appraisal of real estate,including identification of risk models and risk assessment model,and give quantitative analysis of the risks. The fifth part is empirical research, as mortgage appraisal of real estate of Jinan City for actual demonstration. The problems are brought foreword. The approaches of eluding risks are analyzed on the two views of assessment and financial institutions. The sixth part based on the conclusion of the above,gives the construction framework of risks prevention system on mortgage appraisal of real estate. The last part is the conclusions of this article. |
