【摘要】：改革開放以來,中國房地市場取得了飛速的發(fā)展,房地產業(yè)已經成為我國經濟發(fā)展的重要支柱。作為典型的資金密集性產業(yè),房地產企業(yè)融資環(huán)境對產業(yè)發(fā)展有著重要的推動作用。當前,我國房地產企業(yè)的融資模式主要由自有資金、貸款、施工單位墊資、按揭等方式構成,但是,主要存在嚴重依賴銀行貸款的問題。隨著國家宏觀調控政策不斷深入,對銀行、信托機構的政策監(jiān)管力度持續(xù)加大,特別是房地產企業(yè)的貸款變得難上加難,大多數房地產企業(yè)逐步陷入融資不暢、資金緊張局面。在這種背景下,夾層融資作為一種全新、高效的融資模式,開始被房地產企業(yè)所接受,有效地拓寬了房地產企業(yè)的融資渠道。鑒于此,本文從夾層融資的定義、風險與回報、方式、特點、優(yōu)劣勢及其對房地產融資的作用出發(fā),深入分析了我國房地產企業(yè)融資現狀及夾層融資的必要性,并根據我國房地產企業(yè)使用夾層融資的的現狀,結合具體的夾層融資案例,深入探究了目前房地產企業(yè)運用夾層融資存在的問題,并對房地產企業(yè)進一步完善夾層融資模式提出了若干對策建議,以期為進一步建立健全我國房地產金融體制,積極推進我國房地產業(yè)持續(xù)穩(wěn)定健康發(fā)展做出一點貢獻。
[Abstract]:Since the reform and opening up, China's real estate market has made rapid development, the real estate industry has become an important pillar of our economic development. As a typical capital intensive industry, the financing environment of real estate enterprises has an important role in promoting the development of the industry. At present, the financing mode of Chinese real estate enterprises is mainly owned by own funds and loans. However, there is a serious dependence on bank loans. With the continuous deepening of the national macro-control policies, the policy supervision of the banks and trust institutions has continued to increase, especially in the real estate enterprises, and most of the real estate enterprises are gradually falling into financing. Under this background, interlayer financing, as a new and efficient financing model, has been accepted by real estate enterprises and effectively widens the financing channels of real estate enterprises. In view of this, this article from the definition of interlayer financing, risk and return, mode, special point, advantages and disadvantages and the role of real estate financing. This paper analyzes the financing status of real estate enterprises in China and the necessity of interlayer financing. According to the current situation of the use of interlayer financing in real estate enterprises in China and the specific case of interlayer financing, this paper deeply explores the existing problems in the use of interlayer financing in real estate enterprises, and puts forward the further improvement of the interlayer financing model for real estate enterprises. In order to further establish and improve China's real estate financial system and make positive contributions to the sustainable and stable development of China's real estate industry, some countermeasures and suggestions are put forward.
【學位授予單位】：云南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F275;F299.233.4

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