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着重分析我国现行房地产金融制度存在的问题及深层次的原因，在此基础上探讨了银行提高房地产金融投资效率的途径及所需的配套建设。
This paper analyzes the existing problems and deep reasons of the current real estate financial system in our country, and on this basis, probes into the ways and the supporting facilities for banks to improve the real estate financial investment efficiency.