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导读：这是一篇经济学essay范文，讨论了房地产企业融资。作为一个资本密集型的行业，金融业支撑着房地产业的发展，为房地产企业提供巨大的资金支持。然而，现阶段的房地产业存在着许多急需解决的问题，融资难就是一个重要的方面。对融资渠道进行拓宽，以解决融资的压力，成为各房地产企业最关心和首先要解决的问题。要想彻底改变房地产企业的融资现状，解决融资中的多种问题，离不开企业和金融的共同努力。 With the rapid development of economy, real estate industry is becoming more and more important in economic development. As a capital intensive industry, the finance industry supports the development of the real estate industry and provides huge financial support for real estate enterprises. However, there are many problems that need to be solved in the real estate industry at this stage, and financing difficulty is an important aspect. The financing channels are widened to solve the pressure of financing, which is the most concern and the first problem to be solved by real estate enterprises. 随着经济的快速发展，房地产业在经济发展中变得越来越重要。金融产业作为资本密集型产业，支撑着房地产业的发展，为房地产企业提供了巨大的金融支持。但现阶段房地产业还存在许多问题需要解决，融资困难是其中一个重要方面。拓宽融资渠道，解决房地产企业最关心、最需要解决的融资压力问题。 With the improvement of people's living standard, people's demand for housing is increasing. Correspondingly, the demand for bank loans is increasing gradually. The capital of real estate development is mainly from bank loans, that is to say, Banks provide funds to support the development of the real estate industry. However, in recent years, along with the real estate enterprises, each enterprise in the increasingly competitive, through bank loans to real estate development financing is becoming more and more difficult to achieve, makes the financing channels of enterprises more and more narrow. 随着人们生活水平的提高，人们对住房的需求也在增加。相应地，对银行贷款的需求也在逐渐增加。房地产开发的资金主要来自银行贷款，也就是说，银行提供资金支持房地产业的发展。然而，近年来，随着房地产企业的竞争日趋激烈，各企业通过银行贷款来进行房地产开发融资越来越难以实现，使得企业的融资渠道越来越狭窄。 Due to countries have a strict control on corporate debt issuance, as well as the risk of bond market, many real estate enterprises can choose to stay away from the bond market, bond market has been affected by the scale, make the bond issue. Many companies eager to issue bonds of the company, however, strict bond issuance system will be at the door and many small and medium-sized enterprises and the bond market itself there are many deficiencies, most enterprises choose to stay away from this kind of financing way. Financing is an important channel for enterprises to obtain financial support and solve financial problems, which is the only way for real estate enterprises to succeed. However, due to the state's strict supervision of the listing, most enterprises have problems that do not meet the requirements of listing. Real estate is a special industry, the enterprise generally there is a high debt ratio, therefore, for the safety of the financial markets, countries increased the control of the listed real estate enterprises, makes many enterprises cannot be successfully listed in a short time. The rise and fall of real estate enterprises cannot be separated from the macro-control of the state, and the whole market economy cannot leave the country's regulation and independent operation. Affected by financial crisis, the real estate industry, once in brief crisis situation, to promote the development of real estate, national policy, introduced a variety of stimulating domestic demand, the real estate industry rebirth in the crisis, and rapid development in the next few years. It can be seen that the macro-control of the state plays an important role in the development of the real estate industry. However, in recent years, China has been experiencing a persistent property bubble, and many experts have predicted that the bubble could trigger another, more damaging financial crisis. In order to avoid the occurrence of financial crisis, the state has issued numerous regulation policies to control the continuous rise of housing prices, which makes it more difficult for real estate enterprises to raise capital. Real estate enterprises financing channels are mainly bank loans, according to the statistics, real estate enterprises the proportion of capital in the bank for more than 60%, in addition, real estate development funds, charge buyers deposit and advance payment of more than 50% came from bank loans, thus it can be seen, real estate enterprise has a strong dependence on bank. Bank loans are only one aspect of external financing, including equity investment, real estate trust and so on. These external financing methods have certain limitations. Internal financing is also a way for enterprises to raise funds, which is a way to expand reproduction, with low cost and low risk. However, this type of financing can only be used as a financing method when the enterprise funds are tight. The financing of real estate enterprises in China is a big dependence for the financial, however, there is a widespread system is not sound financial market of our country, development is not perfect, affect the diversified development of enterprise financing channels, and the types of bank loans is less, lack of innovation, all of these seriously restrict the development of the financing channels. Because the real estate itself is a capital intensive industry, due to its intensive degree of influence, enterprises have a variety of problems, such as insufficient funds, excessive leverage, and so on. In addition, bank loan is the main channel of financing for real estate enterprises. However, the variety of bank loans is too simple and lack of innovation to meet the demand of the real estate industry. All the time, China's lack of innovation in the variety of bank loans is only satisfied with the maintenance of a few products, which severely restricts the financing development of real estate. Moreover, the existing financing channels are narrow in themselves, and other financing methods cannot be used, which also affects the financing of real estate enterprises. Therefore, to change this state, we need to pay more attention to the reform of the financial system and the innovation of financial products. With the rapid development of China's economy, the real estate market there are more and more small and medium-sized enterprise, the enterprise's overall quality is low, the operation mechanism is not perfect, there is a widespread credit is low, such problems as high risk, the emergence of these problems, makes the small and medium enterprises in financing in the process of struggling, seriously restrict the development of these enterprises grow, or even change the financing of the entire real estate industry. Build a diversified real estate financing mode is an effective way to broaden the financing channels, the real estate development encountered many problems in the process of financing, to solve these problems, will change of financing depends on bank loans. At the third plenary session of the 16th CPC central committee, China proposed the four pillars of the financial industry, which laid the policy foundation for the construction of the diversified model of real estate financing. Real estate enterprises should seize the opportunity, and strive to realize the innovation of the financing way, broaden the financing channels, thoroughly change the traditional rely on bank loans financing way, for the enterprise to create powerful capital support, the concrete can be from the introduction of capital and increase the bond issuance, trust, and many other aspects. The realization of the diversification of real estate financing is inseparable from the joint efforts of enterprises, finance and government, especially the improvement of enterprise's own quality and competitiveness. On the one hand, the first thing enterprises should do is to improve their credit rating system, which can not only effectively promote the steady development of the real estate industry, but also maintain the stability of financial market. To perfect the credit evaluation system, the enterprise first priority is to change the system, not only regard it as the approval process will go program, more to them as the real needs of the enterprise, on this basis, the enterprises should further conduct strict norms of credit ratings, achieve the fair and reasonable. Enterprise can also through the issuance of bonds, the introduction of foreign institutions, draw lessons from foreign credit rating program methods such as improving their own rating system, not only can improve the professional ability of enterprise credit rating agencies, can also be the rating agencies to market, further enhance the impartiality of the rating system. On the other hand, enterprises should strive to improve their competitiveness, expand the scale, improve the level of specialization, and strive to create their own brand, make the enterprise in an impregnable position in the intense market competition. The rise and fall of cannot leave the government's macro-control of real estate industry and the government's first priority is to create effective system for real estate enterprises financing environment, improve and perfect the corresponding laws, regulations, and supporting system. Real estate is a high-risk industry, to make its steady development, must improve the corresponding system and system, create a specification for the real estate industry financing environment, reduce the financial risks and promote the stable development of the real estate enterprises. In addition, the government will further strengthen the regulation of credit intermediary orgnaization, give full play to the impartiality of the intermediary agencies, to avoid the real estate enterprises to raise funds and credit agencies jointly obtain a bank loan. At the same time, it is necessary to strengthen the punishment of enterprises' illegal behaviors, establish credit files, and the government will take corresponding punishment measures when they find out that the intermediary organs are operating illegally. This method of maintaining the relative independence of intermediary institutions can not only strengthen the supervision of the government, but also promote the steady and healthy development of the whole market.#p#分页标题#e# To sum up, in order to completely change the financing situation of real estate enterprises and solve various problems in financing, the joint efforts of government, enterprises and finance are indispensable. The government should strengthen the macro-control of enterprises and increase the supervision of credit intermediaries. Enterprises should strive to perfect the credit evaluation system, improve their competitiveness, broaden financing channels, and strive to diversify their financing methods. The financial industry should continuously carry out the innovation of bank loan varieties, and provide strong support for the realization of diversified financing methods of real estate enterprises. |
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