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房地产业作为资金高度密集型行业,开发经营一个项目需要投入大量的资金,与此同时,房地产投资周期长、流动性差、受社会经济发展影响大和易受国家宏观经济调控的影响等特征,使得融资对房地产企业尤为重要。长期以来,我国房地产投资资金主要来源于商业银行,但近两年以来,由于房地产投资增长迅速、房屋价格上涨过快及商品房结构严重失衡,中央实施了以“管严土地,看紧信贷”为主的宏观调控措施,房地产企业通过银行信贷来融资
As a highly capital-intensive industry, real estate needs to invest a large amount of capital in the development and operation of a project. In the meantime, the long-term real estate investment cycle, poor liquidity, great influence on social and economic development and vulnerability to national macroeconomic regulation and control make the financing Real estate companies are particularly important. For a long time, China’s real estate investment funds mainly come from commercial banks. However, in recent two years, due to the rapid growth of real estate investment, the rapid rise of housing prices and the serious unbalance of commercial housing structure, the central government has implemented the policy of “strict management of land and tight credit” The main macro-control measures, real estate business through bank loans to finance