| In the current market environment,the way of mortgage real estate to obtain loans has gradually become a source of funds for enterprises or individuals,which is accompanied by the rapid rise of mortgage value assessment business.The evaluation result of mortgage value evaluation is an important reference basis for mortgage loan amount,which has strong economic reference significance.Reasonable and fair evaluation result is conducive to safeguarding the rights and interests of all participants in economic activities.Therefore,we must attach great importance to the reasonableness and precision of collateral valuation.In terms of the current practical situation of real estate mortgage value appraisal,appraisers are still using the traditional appraisal mode to evaluate the mortgage assets,but the limitations and inherent defects in the traditional appraisal mode still exist.These problems not only seriously affect the rationality of the appraisal results,but also affect the image of the asset appraisal industry.Therefore,how to scientifically improve the traditional appraisal model to get accurate appraisal value of real estate mortgage is a problem worth further study.This paper first expounds the basic theoretical basis involved in the real estate mortgage value evaluation,focuses on the analysis of the residential real estate related concepts and the method system involved in the evaluation,analyzes and summarizes the residential real estate mortgage value evaluation mainly exists in the following three aspects: market case capture is not objective;The weighting of characteristic factors in comparable cases is not reasonable;Risk in mortgage valuation is not properly measured.Based on this,the following improvement schemes are proposed: Firstly,fuzzy pattern recognition is introduced to quantify non-digital indicators,so as to capture market cases more objectively;Secondly,the analytic hierarchy process is used to quantify the comparable factors and calculate the corresponding degree of influence according to the level,and then assign appropriate weight.Finally,the mortgage risk coefficient is used to reasonably measure the risk of mortgage value evaluation,and the evaluation results of the improved market method are further accurate.In order to verify the rationality of the proposed improvement scheme,this paper takes a real estate to be mortgaged in Hohhot,Inner Mongolia as an example,introduces the improvement ideas proposed above into the valuation of it,and compares the improved evaluation results,traditional evaluation results and actual mortgage value.The results show that the evaluation results obtained by using the improved evaluation model are more close to the actual mortgage value than the traditional method.It can be seen that the improvement scheme proposed in this paper is reasonable and can provide reference for subsequent scholars’ relevant research. |
