本文選題：房地產(chǎn) + 融資模式　； 參考：《吉林大學(xué)》2013年碩士論文

【摘要】：房地產(chǎn)行業(yè)是我國重要的經(jīng)濟(jì)支柱型產(chǎn)業(yè)，對我國經(jīng)濟(jì)貢獻(xiàn)所占比重十分大。房地產(chǎn)行業(yè)的發(fā)展可以帶動一系列相關(guān)產(chǎn)業(yè)的發(fā)展，比如建筑、冶金、建材、地產(chǎn)服務(wù)等許許多多的產(chǎn)業(yè)鏈。房地產(chǎn)金融是保障地產(chǎn)發(fā)展的必要條件，但是從現(xiàn)實看來，地產(chǎn)業(yè)鏈發(fā)展迅速，但是資金問題卻越來越明顯，資金跟不上往往導(dǎo)致項目開發(fā)脫節(jié)或停頓，資金到位速度遠(yuǎn)遠(yuǎn)落后于房地產(chǎn)業(yè)的快速發(fā)展。房地產(chǎn)是一個典型的資金密集型企業(yè)，高投入高收益，因此能否為項目籌到足夠的發(fā)展資金十分重要。現(xiàn)在的中國房價虛高，已經(jīng)超出了百姓可承受的范圍，為了規(guī)范房地產(chǎn)市場健康發(fā)展，各地也陸續(xù)出臺各樣的政策規(guī)范金融市場，在新的政策環(huán)境下，房地產(chǎn)業(yè)資金需求問題和我國融資體制的現(xiàn)存矛盾日益明顯，單純的融資模式已經(jīng)不能滿足企業(yè)對資金的需求，只有使用多元化的融資，才能擴(kuò)大、加速房產(chǎn)企業(yè)發(fā)展。本文采用理論結(jié)合實際案例，以小見大，從紫菘地產(chǎn)的融資模式著手，意在探討二線城市中型地產(chǎn)企業(yè)的融資模式和規(guī)律。不可否認(rèn)，近10年來的地產(chǎn)市場風(fēng)云變幻，，調(diào)控政策密集發(fā)布，地產(chǎn)企業(yè)對融資已經(jīng)積累了一定的經(jīng)驗。 對于中小房地產(chǎn)項目而言，傳統(tǒng)融資渠道主要有內(nèi)部融資和外部融資。然而隨著我國經(jīng)濟(jì)環(huán)境的影響，單一的使用某種融資模式已經(jīng)阻礙了房地產(chǎn)開發(fā)企業(yè)的快速發(fā)展。論文第一章簡要介紹了本文的研究背景、研究內(nèi)容和方法及創(chuàng)新點；第二章闡述了紫菘地產(chǎn)公司的融資環(huán)境現(xiàn)狀及使用SWOT分析法解析融資環(huán)境的利與弊；第三章從紫菘地產(chǎn)現(xiàn)有融資模式進(jìn)行實際分析，闡述了在現(xiàn)在的金融環(huán)境下，政策對融資的影響及機(jī)會；第四章結(jié)合具體項目進(jìn)行風(fēng)險系數(shù)評估，提示企業(yè)在融資過程，必須要評估風(fēng)險成因，按照風(fēng)險系數(shù)對風(fēng)險進(jìn)行重要性分類，然后加以控制，避免對項目開發(fā)過程造成大的影響。所以本文根據(jù)紫菘地產(chǎn)現(xiàn)狀以及現(xiàn)有地產(chǎn)融資模式，提出一些房地產(chǎn)融資模式分析，如國內(nèi)銀行貸款、信托融資、債券融資、銀信合作等融資方法，并對這些策略進(jìn)行風(fēng)險評估，希望能對二線城市的中小型房地產(chǎn)融資有實質(zhì)性的幫助。
[Abstract]:Real estate industry is an important economic pillar industry in China, which accounts for a large proportion of the economic contribution. The development of real estate industry can promote the development of a series of related industries, such as construction, metallurgy, building materials, real estate services and many other industrial chains. Real estate finance is a necessary condition to ensure the development of real estate, but from the reality, the land industry chain develops rapidly, but the capital problem is becoming more and more obvious, which often leads to the disconnection or pause of project development. The speed of funds in place lags far behind the rapid development of the real estate industry. Real estate is a typical capital-intensive enterprise with high investment and high income, so it is very important to raise enough development funds for the project. At present, the real estate prices in China are inflated beyond the range that the common people can afford. In order to standardize the healthy development of the real estate market, various policies have been introduced to regulate the financial market. In the new policy environment, The problem of capital demand of real estate industry and the existing contradiction of financing system of our country are more and more obvious. The simple financing mode can not meet the demand of capital of enterprises. Only by using diversified financing can we expand and accelerate the development of real estate enterprises. Based on the theory and practical cases, this paper starts with the financing mode of Zisong Real Estate, and discusses the financing mode and law of the middle-sized real estate enterprises in the second-tier cities. There is no denying that the real estate market has changed in the past 10 years, the regulation and control policies have been issued intensively, and the real estate enterprises have accumulated some experience in financing. For small and medium real estate projects, the traditional financing channels mainly include internal financing and external financing. However, with the impact of economic environment in China, the single use of a certain financing model has hindered the rapid development of real estate development enterprises. The first chapter briefly introduces the research background, research contents, methods and innovation points, the second chapter describes the current situation of the financing environment of Zisong Real Estate Company and the advantages and disadvantages of using SWOT analysis method to analyze the financing environment. The third chapter analyzes the actual financing mode of Zisong Real Estate, expounds the influence and opportunity of the policy on financing under the present financial environment, and the fourth chapter carries out the risk coefficient evaluation combined with the specific project, which indicates that the enterprise is in the process of financing. It is necessary to evaluate the causes of risk, classify the risk according to the risk coefficient, and then control it so as to avoid a great impact on the development process of the project. Therefore, according to the current situation of Zisong Real Estate and the existing real estate financing model, this paper puts forward some real estate financing models, such as domestic bank loans, trust financing, bond financing, bank credit cooperation and other financing methods. And carry on the risk assessment to these strategies, hope can have the substantial help to the small and medium real estate financing of the second-tier city.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.233.4

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