房地产金融体系

第五部分为房地产金融体系总框架图。

At last , the total frame diagram of financial system in real estate .

应尽快完善房地产金融体系，加强金融监管。

Should consummate the real estate financial system as soon as possible , strengthens the financial supervision .

基于金融发展理论的我国房地产金融体系的改革与完善

Research on How to Improve China 's Real Estate Financial System Based on the Theory of Financial Development

首先，从房地产金融体系的内在脆弱性、房地产金融机构的内在脆弱性以及房地产金融主体行为的有限理性分析了房地产债务融资风险形成的一般理论。

First , the paper analyzes the weakness in the financial system and agency of the real estate , the limited rationality of the financial subject of the real estate .

第一部分阐述房地产金融体系概念、结构以及结构中三个层次的关系，并给出了房地产金融体系层次图。

The first part , expatiate financial system in real estate concept , construction and relations of three levels of structures , then gave the financial system in real estate level of structure diagram .

本文比较系统地研究了我国房地产金融组织体系的构建和管理对策问题。首先研究了金融制度、住房体制和房地产金融的基本理论和历史发展问题。

This thesis does a systematic research on the issue of building and managing of the organization system of real estate finance in China .

因此，必须加强REITs的投资管理研究工作，练好内功，才能真正意义上为推出REITs制度调整和完善我国的房地产投融资金融体系做好准备。

So we must strengthen the wok in investment and management , making good preparation for further perfection in the reform of REITs system .

REITs是在特定经济发展状况、房地产市场、金融体系和市场等外部环境条件下产生的一种功能性金融创新，是政府主导通过法律手段间接推动的金融创新。

REITs is a functional financial innovation indirectly by government through legal means , which generated under certain external environment conditions such as particular economic development status , the real estate market , financial system and the market .

我国房地产金融风险评估体系与风险防范研究

Research on the System of the Appraisal and the Protection of Real-Estate Finance Risk

第四部分对房地产金融组织机构体系、金融工具体系和配套设施体系建设进行尝试性的探索，并分别给出了三个层次体系建设的框架图。

The fourth part , try to set up real estate finance organization system , financial tool system and kit facilities system , then outline the frame diagram of three level of structures system respectively .

在我们来看，这不仅有害于国内证券市场健康发展，而且也会给国内房地产市场与金融体系造成诸多风险。

In our view , this is not only harmful to the healthy development of the domestic securities market , but also to the domestic real estate market and the financial system caused by a number of risks .

以美国次贷危机为鉴，对我国房地产市场发展与金融体系建设提出了有益的建议。

From the lesson of subprime crisis , we give some useful suggestions to the development of Chinese financial market and real estate business .

创新房地产融资方式，构建完善的房地产金融体系。

So we can construct the perfect Real-estate financing system .

在对各种融资模式分析的基础上，分析国内外房地产金融风险形式、房地产金融风险防范体系及其内在关系形成发展的一般规律。

On the base of analysis of various financing models , we will analyze the types of real estate financial risks , financial risk prevention system and its inherent relations .

由于国家银根收缩，房地产融资难度增大，加上中国房地产金融体系尚未完善，融资渠道狭窄，在一定程度上限制了我国房地产业的发展。

Real estate financing difficulties have been increased because hard-money policies were adopted , and financing channels are narrow and the development of real estate in our country is limited in a way because of narrow financing channel and incomplete real estate financial system .

但是在房地产业的发展过程中也存在着一些问题，其中较为突出的是：房地产金融体系还不完善，开发资金过分依赖银行贷款。

But there are some problems in the development of the real estate industry , the main problem is that the system of the finance of the real estate industry is not advancement and capital of real estate industry development comes from bank mostly .

长期以来，房地产企业的主要资金来源就是银行贷款，自有资金只占很小的一部分，房地产金融体系结构单一。

For a long time , the main capital resource of the real estate enterprises is the bank loan , while enterprises themselves have a small part of capital , and the real estate financial system structure is simplex .

但与此同时也出现了房地产融资主要依靠银行贷款、融资结构不合理等问题，这对我国房地产企业、金融体系以及我国宏观经济都有十分不利的影响。

However , it also met some problems , such as the real estate financing were mainly financed by bank loans and the financing structure was irrational and so on . These make adverse effects to Real Estate Industry and financial industry and national economy in China .

在我国房地产业快速发展的进程中，需要一个包括房地产投资基金在内的发达和专业化的房地产金融体系。

As real estate develops rapidly in China , it is of great demand that a professional and developed real estate financial system including the real estate investment funds ( REITs ) should be established .

不仅能够有效地反映房地产市场风险变化、银行信贷变化所带来的差异化效应，而且能够更加深入和全面地理解房地产风险传染对金融体系的影响。

That can not only effectively reflect the differentiation effect as a result of variations of real estate market risk and bank credit , but also thoroughly and comprehensively reveal the influence of real estate risk infection on finance system .

本文以A银行南京分行为例，对其房地产信贷的现状、面临的风险、控制措施存在的不足等进行了详细的论述，在此基础上重点构建了商业银行视角的房地产金融风险控制体系。

A bank in Nanjing , for example , the current situation of its real estate credit risks faced by the shortcomings of the control measures were discussed in detail , mainly built on this basis , real estate and financial risk control system for commercial banks perspective .

本文全面分析我国房地产的投融资格局，并提出以下建议：发展房地产投资信托基金，适时推出住房抵押贷款证券化，及时开辟多元化的房地产融资渠道，建立健全房地产金融体系。

This paper analyzes the financing situation in China 's real estate and points out that it is proper to develop REITs , push forward MBS , open diversified financing channels for real estate and to set up and improve financial system for real estate in the current phase .