Q Company Case On The Value Valuation Of The Land UseRight Motrgage

At present, the development of China’s economy make a great of progress,theenterprise is ensure its stable development, at the same time,expand production,businessscope of continuous, rapid development of enterprises in the process often has the quitebig financing gap, which requires the normal operation of financial institution suchas:banks), provide funds to promote enterprises progress, in order to promote thecomprehensive and rapid development of the economy of our country.However, the current economic market is imperfect competitive market,there is acertain information asymmetry between company and banks.In the considerableeconomic situation,banks can not get timely the economic situation of enterprise’s actualand financial, the bank in this case provide loans to businesses have a certain risk, toavoid the uncertainty factor caused by the loans risk, now when banks in providingbusiness or personal loans, often require the loan enterprises to provide some valuableassets as loan guarantee. At present, the mortgage has develop into a widely acceptedway of financing, could face in solving the loan demand of economic difficulties and thebank risk aversion is good, so that enterprises and banks to get the interests of both side.In reality word,in view of the mortgage loan not is an important way personal andcompany financing of bank loans, but also the effective flow in an important means, thenmake an accurate assessment of collateral has become an important duty of personnelevaluation.Accuracy of the land transfer price of the right to the use of collateralassessment, in relation to the whole process of mortgage loan smoothly.Because our country real estate mortgages started relatively late, the theory there isa certain insufficient.exist various operational problems during the practice of theevaluation, for example: for not unified, mortgage value evaluation assumptionslimitations, evaluation time specific selection etc.. Therefore, during the evaluationcourse of the real estate collateral, and find the actual evaluation process problems, inaddition find out the way to solution the problems.With considerable know significancefor future evaluations.To the assessment of land use rights transfer prices, assessment methods generallyinclude: the method of cost, the method of income,the method of market comparison and the method of hypothetical development four, the firstly three is the evaluationpractice most often referred to and the use of. Based on the analysis of the actual case ofQ company mortgage examples of land use rights, including in the process of usingmarket comparison approach and hypothetical development method of two kinds ofmethod, comparable example selection, baseline establishment, transactions and theregulate of market, and then use the evaluation theory method draws the appraisalconclusion, analysis of existing concrete the evaluation process to find out the problemsin the assessment process.The paper is consist of five chief parts, the first part is theintroduce of study background and significance of the topic are basic introduction. As aprerequisite to determine the basic method of the study and research ideas. The secondpart mainly described the evaluation of land, a detailed analysis of the factors that mayinfluence the price evaluation value. To provide reference for the following case analysis.The third part, is the concrete evaluation analysis point at Q company the estate of theland use rights, combined with thee valuation of specific characteristics of case, thearticle mainly make use of the market comparison approach and hypotheticaldevelopment method for the Target Corp real estate evaluation obtained evaluationresults, and through the comparative analysis of evaluation and draw the final Q value.The fourth part is the analyzed in detail point at assessment of the case, and dependson the analysis and discuss,get the corresponding result.Finally, the conclusions andrecommendations. Has the practice significance expects the paper, provide reference, toavoid the risk of real estate mortgage loans, improve the quality of credit.