一、引言近年来,我国房地产市场蓬勃发展,极大地促进了国民经济的快速增长。但随着房地产市场的日益成熟,加之世界金融危机的冲击,在银根紧缩、政策调控日益严格的压力下,房地产业面临着整 I. Introduction In recent years, the vigorous development of China’s real estate market has greatly promoted the rapid growth of the national economy. However, with the increasingly mature real estate market and the impact of the global financial crisis, under the pressure of tight monetary tightening and increasingly stringent policy control, the real estate industry faces a