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作为现代金融业务的一个领域,房地产金融有着广阔的发展空间,特别是对中国这样处于住房制度改革的国家来说,房地产金融的发展关系到其改革的成败。房地产金融是推动房地产业开发建设、刺激房地产消费的关键因素。房地产业发展的重要支撑1998年中国住房制度实行改革,由原来的福利性分房向货币化住房制度转变,住房问题被推向市场。然而,这一改革阻力相当大:一方面,我国房地产业在经历1992年与1993年的火爆之后,陷入长期低迷状态,大量的房屋空置、积压,房地产业发展踟蹰不前;另一方面,我
As an area of modern financial business, real estate finance has a broad space for development. Especially for countries like China where housing reform is in progress, the development of real estate finance has a bearing on the success or failure of its reform. Real estate finance is to promote real estate development and construction, the key factor to stimulate real estate consumption. Important support for the development of the real estate industry In 1998, the reform of the housing system in China shifted from the original welfare housing distribution to the monetized housing system, and the housing issue was pushed to the market. However, the resistance to this reform is quite substantial. On the one hand, after the real estate industry in our country became hot in 1992 and 1993, it plunged into a long-term downturn. As a result, a large number of houses were vacant and overstocked, and the real estate industry was sluggish. On the other hand,