关键词: 土地抵押融资风险, 熵值法, 风险评估

Abstract: How to promote a steady development in the economically developed areas at the new stahe of reform is a proposition that needs to be considered urgently at present and in the years to come. In order to understand the risk status of the land mortgage financing and scientifically supervise it, this paper conducts a case study of Area X in City S by using the entropy method to establish a risk assessment model to make an empirical analysis from the following four aspects: market characteristics, mortgage status, credit factors and the policy and legal factors. The results show that the risk level of the land mortgage financing in the study area fluctuates from year to year, but the overall trend is on the decrease, and gradually returns to stability. The better the policy and the legal environment of financing, the faster the risk level decreases. The risk level fluctuation of market characteristics ranks the second. The risk of the credit factors is gradually becoming stable, but the risk of the mortgage status fluctuates greatly. Based on the above findings, the paper puts forward some suggestions including improving the government management mechanism, standardizing the behavior of the financing platform, strengthening the risk control of the bank and so on.

Key words: Land Mortgage Financing, Risk of Land Mortgage Financing, Entropy Value Method, Risk Assessment