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据了解,我国房地产贷款的发展起步于上世纪90年代初期,是伴随中国的改革诞生并且发展起来的业务,我国房地产贷款从1997年末的443亿元增加到今年的5605亿元,房地产的贷款保持了较高的走势,目前房地产金融业务已经成为银行最大的业务。 现在房地产金融渠道已在拓宽,有证券、信托、房地产基金。其中信托是近几年流行起来的一种无需抵押贷款的融资方式,是一种金融中介,也是金融服务,有其制度优势和功能优势,这是其他金融工具所不能比拟的,所以它在房地产金融方面起到了一定的独特作用。这次住交会金融论坛邀请了多位资深专家从多方面对现在中国房地产与金融之间的关系进行研究探讨和对今后态势的分析预测。
It is understood that the development of China’s real estate loans started in the early 90s of last century, with the birth of China’s reform and development of the business, China’s real estate loans from 44.3 billion yuan at the end of 1997 increased to 560.5 billion yuan this year, real estate loans to maintain The higher trend, the current real estate finance business has become the bank’s largest business. Now the real estate financial channels have been broadened, with securities, trusts, real estate funds. Which is a popular trust in recent years, a mortgage-free financing, is a financial intermediary, but also financial services, with its institutional advantages and functional advantages, which is unmatched by other financial instruments, so it is in real estate Financial aspects have played a unique role. The live rendezvous financial forum invited a number of senior experts from many aspects of China’s real estate and financial relations between the current study and analysis of future trends in the forecast.