房地产融资研究系别：经济管理学院专业班：财务管理0903班姓名：学号：指导教师：周庆海2011年5月房地产融资研究Realestatefinanceresearch摘要进入21世纪，房地产业已成为我国国民经济发展的重要支柱产业之一。引导我国房地产的持续、稳定和健康的发展，房地产业的发展不但有利于保持整个国民经济的稳定和较快增长，也有利于满足广大人民群众的基本住房需求和生活条件改善，更有利于实现全面建设小康社会的基本目标。中国房地产协会的顾云昌曾指出：“中国房地产的明天，关键在土地，冷热在金融。”这样的分析判断说明一个事实，即我国的房地产市场差异很大。这就需要发挥金融杠杆的调节作用防止房地产市场产生泡沫。目前，一方面需要给开发商增加融资渠道，另一方面需要给投资者增加投资渠道。因此，顾云昌建议：“怎样更快地把国际上好的经验、做法引进来，同时拓宽房地产开发商和投资者的融资和投资渠道，将对房地产的发展具有决定性的意义。”房地产业与金融业之间存在着相互依存、相互促进的密切关系。本文首先阐述房地产金融的特点和作用;其次分析房地产融资的类型，最后结合我国房地产发展的实况分析我国房地产金融概况，以及我国房地产金融创新的意义。关键字：房地产业房地产金融房地产融资AbstractEnteringthe21stcentury,China'snationaleconomyofrealestatehasbecomeoneoftheimportantpillarindustrydevelopment.GuideChina'srealestatesustained,stableandhealthydevelopmentofthedevelopmentofrealestateindustry,notonlyhelpkeepthewholenationaleconomystabilityandrapidgrowth,butalsotosatisfythemassesofbasichousingdemandandlivingconditionsimprove,themoreadvantageoustorealizethecomprehensiveconstructionwell-offsociety'sbasicgoals.ChinarealestateassociationGuYunChangoncepointedout:"Chinarealestatetomorrow,keyintheland."inthefinancial,heatandcold,TheanalysisjudgmentshowsafactthatChina'srealestatemarketdifferenceisverybig.Thisneedsplayfinancialleveragepreventrealestatemarketgeneratedbubble.Atpresent,ontheonehand,needtogivedevelopersincreasethefinancingchannels,ontheotherhand,needtogiveinvestorsincreasedinvestmentchannels.Therefore,howGuYunChangadvice:"thefasterinternationalgoodexperience,practices,andatthesametimeintroducingtobroadenthefinancingofrealestatedevelopersandinvestorstoinvestmentchannel,andthedevelopmentoftherealestateofdecisivesignificance."Realestateandbankingexistbetweeninterdependenceandmutualpromotingcloserelationship.Thispaperfirstlythecharacteristicsandfunctionsoftherealestatefinance;SecondlyanalysesthemainformofrealestatefinanceinChina,basedontheanalysisofChina'srealestatedevelopmentofrealestatefinancesituationliveinChina,andthesignificanceofrealestatefinanceinnovation.Keywords:realestaterealestatefinancerealestatefinance目录摘要......................................................IAbstract.................................................II1房地产融资概述..........................................11.1房地产融资的定义......................................11.2房地产融资的特点......................................11.3房地产融资的作用......................................22我国房地产融资的渠道及存在的问题........................32.1我国房地产融资的渠道..................................32.2我国房地产融资存在的问题..............................33我国房地产融资建议......................................5结论.....................................................6致谢.....................................................7参考文献..................................................81房地产融资概述1.1房地产融资的定义从广义概念上讲，房地产融资是指在房地产开发,流通及消费...
