毕业论文—中小房地产开发企业融资问题研究.docVIP

中小房地产开发企业融资问题研究 The financing problem research of small real estate exploiture enterprise 学生姓名：XXX 指导老师：XXX XXX经济与管理学院 [摘要]房地产业是一个资金高度密集性行业，开发一个房地产项目需要大量的资金。如果不借助于各种融资手段，开发企业将寸步难行。随着市场竞争的加剧，中国人民银行关于住房信贷政策的调整，加上各省、市、地区又陆续提高商品房预售条件，对中小房地产开发商影响最大，越来越多的开发商深切体会到，房地产业资金瓶颈对企业发展的严重制约日趋明显，如何解决好房地产融资问题已经成为房地产企业的当务之急。从长远来看，中小房地产开发商面临着竞争和淘汰的压力。本文在概述房地产融资理论的基础之上，重点研究中小房地产企业未来有效的融资渠道和融资存在的主要问题及解决方案。 [Abstract] Real estate is a capital high denseness profession, develop a project needs plenty of capitals. If not have the aid of in various financing means, development enterprise will can not move a step. Compete along with aggravate market, , Peoples Bank of China adds about the adjustment of housing credit policy and each province, city and region raises the commercial house successively to open to booking condition. The small real estate of developer influences biggest, more and more development businesses heartfelt cognition go to the capital bottleneck of real estate become obvious day by day for the serious restriction of enterprise development, how to solve the financing problem of real estate have become the urgent matter of the enterprise of real estate. From longterm seeing , in the little development business of real estate is faced with competition and the pressure of elimination. This text is in summing up the foundation of the financing theory of the real estate, key research subject matter and solution that valid financing channel and financing exist in future of medium and small real estate enterprise 。 [关键词] 房地产金融 融资渠道 融资问题 [keywords] The finance of real estate Financing channels Financing problem 前言 房地产开发融资是企业在房地产开发过程中，借助于金融机构和资本市场筹措开发资金进行的资金融通行为，房地产开发往往需要占用大量资金，因此在房地产开发过程中，仅靠开发企业的自有资金将寸步难行。 “央行121号文件”的发布对房地产企业在项目开发过程中资金运作提出了很高的要求，为了保证“资金链”的不断裂，房地产开发企业在融资过程中，仅靠传统的融资渠道进行筹集资金是行不通的，应积极寻求新的资金运作方式和融资渠道，因此研究房地产融资方式的创新是非常有必要的。不是所有的融资渠道都是好的，房地产开发企业应根据自身的条件，采取不同的融资方式组合，使融资收益最大化，因此房地产开发企业应从“经济性，安全性，适合性”三方面来进行有效地融资决策。 我国房地产金融业与国外发达国家有很大的差距，应汲取国外发达国家的有益经验，比如说，查尔斯.H.温