本文選題：安聯(lián)地產(chǎn)　切入點(diǎn)：融資渠道　出處：《河北大學(xué)》2013年碩士論文

【摘要】：近年來，我國房地產(chǎn)金融發(fā)展迅猛，但和發(fā)達(dá)的國家相比，房地產(chǎn)金融市場還不夠完善，房地產(chǎn)金融產(chǎn)品很少，主要依賴于銀行貸款，房地產(chǎn)融資相對困難。導(dǎo)致房地產(chǎn)投資的市場風(fēng)險(xiǎn)和融資信用風(fēng)險(xiǎn)高度集中于商業(yè)銀行。在目前市場背景下，房地產(chǎn)企業(yè)融資模式應(yīng)走多元化的道路，拓寬融資渠道，由原來的單純依靠銀行貸款，向以銀行貸款為主，創(chuàng)新融資為輔，間接融資和直接融資相結(jié)合的方向發(fā)展，從而確保資金鏈安全、提高資金使用的靈活性。 安聯(lián)地產(chǎn)2002年成立至今,在生存與發(fā)展過程中，融資渠道從較單一的商業(yè)信用（預(yù)收房款、應(yīng)付帳款）、銀行商業(yè)貸款，漸漸開始嘗試委托貸款、信托基金發(fā)行等方式。在企業(yè)未來五年發(fā)展戰(zhàn)略過程中，資金渠道的通暢問題成為企業(yè)發(fā)展的瓶頸。特別是2010年-2013年，國家為了有效抑制房地產(chǎn)市場房價(jià)過快上漲的勢頭，確保民眾的住房需求，，相繼出現(xiàn)了限貸、限購、限價(jià)、提高存款、貸款利率，中央加大投入保障性住房建設(shè)等措施相繼出臺。在這系列調(diào)控措施打壓下，開發(fā)商資金回籠也面臨困境。如何有效籌集資金，保證安聯(lián)地產(chǎn)未來五年發(fā)展戰(zhàn)略的順利實(shí)施，對安聯(lián)地產(chǎn)來說，已是刻不容緩的事情。本文就是針對安聯(lián)地產(chǎn)現(xiàn)有融資渠道及方式進(jìn)行分析，比較各自的特點(diǎn)，為安聯(lián)地產(chǎn)尋找更加合適的融資渠道組合，為企業(yè)的戰(zhàn)略發(fā)展提供資金支持。其中，第1章緒論闡述選題研究背景、意義及研究現(xiàn)狀。第2章主要綜述安聯(lián)地產(chǎn)發(fā)展現(xiàn)狀及未來五年發(fā)展規(guī)劃。第3章主要分析安聯(lián)地產(chǎn)目前主要融資渠道，通過案例進(jìn)行闡述、分析。研究安聯(lián)地產(chǎn)目前融資工作中存在的問題。第4章主要結(jié)合安聯(lián)地產(chǎn)未來五年發(fā)展戰(zhàn)略及當(dāng)前融資的問題，提出安聯(lián)地產(chǎn)融資管理建議及未來融資新方式嘗試設(shè)想。最后由安聯(lián)地產(chǎn)融資問題引申到作為同類型房地產(chǎn)企業(yè)在開展融資工作過程中應(yīng)注意的三個(gè)方面：提高企業(yè)的盈利能力、現(xiàn)金管理能力、緊盯政策開展多元化融資方式。
[Abstract]:In recent years, the real estate finance of our country develops rapidly, but compared with the developed countries, the real estate financial market is not perfect enough, the real estate financial products are few, mainly depend on the bank loan, the real estate financing is relatively difficult.The market risk and financing credit risk of real estate investment are highly concentrated in commercial banks.Under the current market background, the financing mode of real estate enterprises should take a diversified path, broaden the financing channels, from the original purely relying on bank loans, to bank loans, supplemented by innovative financing.The combination of indirect financing and direct financing can ensure the security of the financial chain and improve the flexibility of the use of funds.Allianz real estate was founded in 2002, in the process of survival and development, financing channels from a single commercial credit (prepaid, accounts payable, bank commercial loans, gradually began to try to entrust loans, trust fund issuance and so on.In the process of enterprise development strategy in the next five years, the problem of unobstructed capital channel becomes the bottleneck of enterprise development.In particular, from 2010 to 2013, in order to effectively curb the rapid rise of housing prices in the real estate market and ensure the housing demand of the public, the state has successively restricted loans, restricted purchases, restricted prices, raised deposit and loan interest rates.The central government increased investment in affordable housing construction and other measures have been introduced.In this series of regulatory measures under the pressure, developers are also facing the plight of the return of funds.How to raise funds effectively to ensure the smooth implementation of Allianz real estate development strategy in the next five years is an urgent matter for Allianz real estate.This article is to analyze the existing financing channels and methods of Allianz real estate, compare their characteristics, find a more suitable financing channel combination for Allianz real estate, and provide financial support for the strategic development of the enterprise.Among them, the first chapter describes the background, significance and research status.Chapter 2 summarizes the current situation of Allianz real estate development and the development plan for the next five years.Chapter 3 mainly analyzes the main financing channels of Allianz Real Estate.Research Allianz real estate financing work in the current problems.The fourth chapter mainly combines Allianz real estate development strategy in the next five years and the current financing problems, puts forward Allianz real estate financing management proposals and future financing new ways to try to conceive.In the end, the problem of Allianz real estate financing is extended to three aspects that should be paid attention to in the process of financing for the same type of real estate enterprises: to improve the profitability of the enterprises, to manage the cash, and to focus on the policy to carry out diversified financing methods.
【學(xué)位授予單位】：河北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F299.233.4

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