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一、我国住宅金融面临新的发展机遇 (一)我国住宅业因出现新建住宅积压、巨额资金沉淀的严重问题,迫切要求住宅金融发展取得新的突破. 住宅业从住宅的生产到销售,都始终离不开金融的支持.住宅金融是指与住宅的生产和消费有关的货币资金的筹集、融通、借贷、结算等各种信用活动的总称.住宅融资包括两个环节,其一是对住宅的生产者——房地产商的融资,其二是对住宅的消费者——广大居民的融资.我国住宅业当前所遇到的住宅大面积空置难题,都体现在这两个方面:(1)住宅开发商营
First, China’s residential finance is facing new opportunities for development (a) China’s housing industry due to the emergence of backlog of new residential construction, a huge amount of capital precipitation serious problem, urgently require residential finance development to make new breakthroughs in housing industry from residential production to sales, all along Can not be separated from the financial support.Residential finance refers to the residential production and consumption of monetary funds, financing, loan, settlement and other credit activities in general.The residential financing includes two aspects, one is the residential Producer-realtor financing, the second is to residential consumers - the majority of residents financing.China’s housing industry currently encountered large vacancies in housing, are reflected in these two aspects: (1) residential Developer camp