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1 完善的房地产金融体制的基本特征 1.1 具有多元化的房地产金融体系一般来讲,在具有成功的多元化房地产金融体系的国家,其商业银行、储蓄银行、抵押银行以及保险公司和一些住房协会或社团都广泛地参与房地产金融活动,形成了一个良好的竞争机制,房地产金融市场极其活跃。多元化的房地产金融体系,可充分发挥多渠道筹集资金的优势,同时为贷款者提供多种可供选择的信贷。联邦德国就是一个多元化房地产金融体系
1 The basic features of a sound real estate financial system 1.1 A diversified real estate financial system Generally speaking, commercial banks, savings banks, mortgage banks, insurance companies and some housing associations or countries with successful diversified real estate financial systems Societies are widely involved in real estate financial activities, forming a good competitive mechanism, the real estate financial markets are extremely active. A diversified real estate financial system can give full play to the advantages of multi-channel fund-raising while providing lenders with a wide range of credit options. Federal Republic of Germany is a diversified real estate financial system