随着房地产业的发展,房地产金融在我国银行业务中所占比例也不断扩大.概括起来,房地产金融是指发生在房地产再生产过程中的各种存款、贷款、投资、信托、租赁、抵押、贴现、保险、有价证券发行与交易,以及房地产金融机构所办理的各类中间业务等各种信用活动.从银行的角度,房地产金融主要包括房地产存款业务和房地产贷款业务.而房地产贷款的盈利水平、安全性高低和流动性大小直接关系到银行房地产金融业务的成败,所以,有效地运用各种房地产贷款方式,管理好房地产贷款,是银行房地产金融业务的重要工作.目前,银行开发的房地产贷款有多种方式,这些方式是在适应我国房地产业的特点和房地产市场的发展要求,在保证银行资金的“三性” 的基础上而开发和运用的.一、商品房开发流动资金贷款.房地产开发经营企业在商品房开发业务中,因流动资金周转困难可以向银行申请贷 With the development of the real estate industry, the proportion of real estate finance in China’s banking business has also been expanding .To sum up, real estate finance refers to all kinds of deposits, loans, investments, trusts, leases, mortgages and discounts occurred in the real estate reproduction process , Insurance, securities issuance and trading, and all types of intermediary business handled by real estate financial institutions.From the bank’s point of view, real estate finance mainly includes real estate deposit business and real estate loan business.While the profitability of real estate loans , The level of security and liquidity directly related to the success or failure of bank real estate financial business, so the effective use of various real estate loans, real estate loans management is an important task of the bank real estate finance business.Currently, the real estate loans developed by banks There are a variety of ways, these methods are adapted to the characteristics of China’s real estate industry and the development of the real estate market requirements, to ensure that the bank’s funds based on the “three” developed and used on the ... First, the development of commercial housing loans liquidity. Real estate development Operators in the commercial real estate development business, due to the flow Money flow difficulties can apply for a loan to the bank