随着我国社会经济的发展,房地产金融也抓住机会不断扩大发展规模,已经成为我国国民经济的重要组成部分。本文首先阐明房地产金融的内涵和特点,然后对我国房地产金融面临的风险问题进行列举,并从拓展融资渠道、完善法规政策、控制信贷规模、完善发展与监管体制等方面提出解决对策。 With the development of China’s social economy, real estate finance has seized the opportunity to continuously expand the scale of development and has become an important part of our national economy. This article first clarifies the connotation and characteristics of real estate finance, and then lists the risk problems facing real estate finance in our country and puts forward countermeasures from such aspects as expanding financing channels, perfecting laws and regulations, controlling credit scale and improving development and supervision system.