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目前我国初步形成了以房地产信贷为主体,房地产证券、房地产信托、房地产保险为补充的市场体系。房地产信贷一直是我国房地产企业融资的主要渠道,大多数企业50%以上的资金依靠银行贷款。由于成本较高,房地产开发企业很难通过发行股票和债券筹集资金,融资结构失衡致使我国银行系统承受了较大的风险。当房地产市场出现剧烈波动,可能引发银行流动性危机。改善现有融资体系,加快建设以房地产证
At present, China has initially formed a market system supplemented by real estate loans, real estate securities, real estate trusts and real estate insurance. Real estate credit has always been the main channel for financing real estate enterprises in our country. Most enterprises depend on bank loans for more than 50% of their funds. Due to the high cost, it is very difficult for real estate development enterprises to raise funds by issuing stocks and bonds. The unbalanced financing structure has caused the banking system in our country to bear greater risks. When the real estate market fluctuates dramatically, it may trigger a bank liquidity crisis. Improve the existing financing system and accelerate the construction of real estate licenses