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房地产业属于国民经济的先导型产业,房地产业的增长在一定程度上拉动了投资需求和消费需求,促进了整个国民经济的发展。目前,我国房地产业的发展面临许多障碍,特别是融资障碍。本文首先从信贷、直接融资和融资服务体系三个方面分析了房地产企业融资障碍的制度性原因,在此基础上,提出了金融制度创新的构想。
The real estate industry belongs to the leading industry of the national economy. The growth of the real estate industry to a certain extent, stimulating the investment demand and consumer demand, and promoting the development of the entire national economy. At present, China’s real estate development faces many obstacles, especially financing obstacles. This article first analyzes the institutional causes of financing obstacles of real estate enterprises from three aspects of credit, direct financing and financing service system. On the basis of this, it puts forward the concept of financial system innovation.