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从房地产业自身的特点来看,房地产信贷资金主要集中在生产和消费两个领域。而在我国,过分偏重于对生产领域的融资。据统计,目前直接面向住房消费者的融资不到资金投放总额的10%,并且在这部分极小的投资中又以个体工商户等高收入者为主,真正运用到普通居民住房消费上的资金微乎
From the real estate industry’s own characteristics, the real estate credit funds are mainly concentrated in the production and consumption of two areas. In our country, too much emphasis on financing the production area. According to statistics, the current direct financing for housing consumers less than 10% of the total funds invested, and in this part of the minimal investment in individual industrial and commercial households and other high-income-based, the real use of ordinary residential housing consumption Little money