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房地产业与金融业的重组与融合,是现代市场经济发展的客观要求.随着我国市场经济体制改革的深化,住房金融业务发展势头迅猛,房地产金融模式初具雏型.但不容忽视的是,中国住房金融及房地产金融由于其内在规律性及客观环境的制约,必须注意它的阶段性与整体性.其阶段性表现为:第一,它要适应房改本身的阶段性变化;第二,随着住房制度改革的完成,住房金融将升华到高级阶段——
The reorganization and integration of real estate and financial industry are the objective requirements for the development of modern market economy.With the deepening of the reform of the market economy system in our country and the rapid development of the housing finance business and the real estate financial model beginning to take shape, Due to its inherent regularity and objective environment constraints, China’s housing finance and real estate finance must pay attention to its stage and integrity. The stage performance is as follows: First, it should adapt to the phase change of the housing reform itself; secondly, With the completion of the housing system reform, housing finance will be sublimated to the advanced stage -