我国房地产金融存在的问题主要归结为制度缺陷,集中表现在资金来源渠道单一、房地产金融体系不完备、资金融通效率低下和风险高度集中。这些缺陷很大程度上制约了中国房地产业的长期健康发展,应该通过金融体制的改革,建立开放统一的房地产金融体系。同时,在房地产金融体系不完备的情况下,政府应谨慎出台房地产调控政策,以保护房地产业健康发展。 The problems of real estate finance in our country are mainly attributed to the system defects, which are mainly manifested in the single sources of funds, incomplete financial system of the real estate, inefficient financing and high concentration of risks. These defects have largely restricted the long-term and healthy development of China’s real estate industry. We should establish an open and unified real estate financial system through the reform of the financial system. At the same time, in the case of incomplete real estate financial system, the government should prudently introduce real estate regulation and control policies to protect the healthy development of the real estate industry.