关于房地产企业融资现状及其风险防范的探讨.doc

XX大学毕业论文 题 目：关于房地产企业融资现状及风险防范的探讨 专 业： 学 号： 姓 名： 指导教师： 完成日期： 目 录 摘要·························································Ⅰ Abstract·····················································Ⅰ 一、绪论······················································1 （一）研究背景及意义·····················································1 （二）文献综述···························································1 （三）本文思路及研究方法·················································2 二、房地产开发企业融资风险现状································2 （一）房地产企业资金的主要来源是银行贷款·································2 （二）房地产企业融资渠道逐步走向多样化···································2 （三）房地产信托业务活跃·················································3 （四）拓展房地产融资渠道的意义及前景·····································3 三、我国房地产企业融资中存在的问题····························3 （一）融资结构单一且间接融资比重过大·····································4 （二）对房地产融资的限制因素太多·········································4 （三）银行贷款方式及金融创新太少·········································4 四、房地产企业融资问题原因的分析······························4 （一）未能形成良好的融资体系·············································4 （二）金融市场部完善及法规滞后···········································5 （三）大多数房地产企业自身条件先天性不足·································5 五、以万科为例进行房地产企业融资分析··························5 （一）万科融资现状·······················································5 （二）以万科试水“曲线贷款”案例分析·····································6 （三）境外融资的新模式···················································7 六、解决我国房地产企业融资问题的方式··························7 （一）解决我国房地产企业融资问题的传统方式·······························7 （二）解决我国房地产企业融资问题的创新方式·······························8 结论·························································11 参考文献·····················································12 关于房地产企业融资现状及风险防范的探讨 摘要：房地产业作为国民经济支柱产业，对国民经济的发展起着举足轻重的作用。但由于房地产开发项目规模大、周期长、房地产价值高等特点，使得房地产开发企业所需的资金量巨大，因此融资能力对房地产企业至关重要。本文通过对近年来房地产资金的主要来源渠道——银行信贷，以及包括房地产信托、房地产基金、债券融资、股票融资、海外融资等其他融资渠道的研究，分析了房地产融资结构单一、间接融资比重过大、创新融资方式少等现状问题及其形成的主要原因，并提出了我