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研究房地产金融,已经成为当今一个重要的热门话题。其中的一个重点问题,就是房地产开发资金过多地依赖商业银行贷款, 使房地产投资的市场风险和融资信用风险集中于商业银行。据近几年的统计,在全国每年房地产开发使用的资金中,银行贷款占23%左右。除此之外,还有两项与银行贷款有关的资金:一是许多房地产企业让建筑企业垫款建设,而这些垫款主要来自建筑企业贷自银行的流动资金;二
Research on real estate finance has become an important hot topic today. One of the key issues is that the real estate development funds rely too much on commercial bank loans, so that the market risk of real estate investment and financing credit risk are concentrated in commercial banks. According to statistics in recent years, among the funds used for real estate development in the whole country each year, bank loans account for about 23%. In addition, there are two funds related to bank loans: First, many real estate companies allow construction enterprises to make advance payments, and these advances mainly come from the liquidity of construction enterprises lending from banks;