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房屋是人类衣食住行生存条件不可缺少的组成部分,人们对房屋的消费是通过房地产业实现的。面房地产业的发展又离不开金融业的支持,房地产金融是推动房地产业发展的原动力和核心。在这种背景下。如何促进房地产业和金融业的有机结合,使经济资源得到优化配置和有效利用,就成为迫切而又现实的问题。笔者结合从事房地产公司财务管理的实践,通过研究房地产金融的动作特点,认为解决这一问题,最好的办法就是实行抵押贷款的证券化。
Housing is an indispensable component of the basic necessities of humankind’s living and clothing, and people’s consumption of housing is realized through the real estate industry. Real estate development is inseparable from the financial industry’s support, real estate finance is to promote the development of real estate industry, the driving force and core. under such circumstances. How to promote the organic combination of the real estate industry and the financial industry so that the economic resources can be optimally allocated and effectively utilized has become an urgent and realistic issue. The author combines the practice of real estate company financial management, through the study of real estate finance movement characteristics, that the solution to this problem, the best way is to implement the securitization of mortgage loans.