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一、我国房地产金融制度变迁在我国进行改革开放以前,我国房地产金融的发展一直处于被抑制状态可以说,我国房地产金融的发展,是伴随我国改革开放的深入,城市住宅制度与土地使用制度的改革。笔者认为,我国房地产金融发展主要经历两大变迁。第一次变迁,从1978年到1998年。这一阶段,我国房地产金融处于起步并缓步成长状态。1979年,中央决定将基本建设投资由财政拨款改为银行贷款,标志着房地产金融的诞生。1994年,国务院《关于深化城镇住房制度改革的决定》提出“全面推行住房公积金制度”。1997年,中国
First, the changes in China’s real estate financial system Before China’s reform and opening up, the development of China’s real estate finance has been in a state of repression can be said that China’s real estate finance is accompanied by the deepening of China’s reform and opening up, urban housing system and land use system reform . The author believes that China’s real estate financial development experienced two major changes. The first change, from 1978 to 1998. At this stage, China’s real estate finance is in its infancy and slowly growing. In 1979, the central government decided to change its capital construction investment from bankroll to bank loan, marking the birth of real estate finance. In 1994, the State Council’s “Decision on Deepening the Reform of Urban Housing System” put forward the “Overall Implementation of Housing Provident Fund System.” 1997, China