房地产开发企业融资问题研究

房地产开发企业融资问题研究

摘要

房地产开发企业是我国企业中一支十分重要的组成部分，在促进国民经济发展，增加就业等方面发挥了十分重要的作用。然而，随着经济发展的不断深入，房地产开发企业发展所面临的困难也日益凸显，加快企业转型速度，提高企业的核心竞争力已经成为我国房地产开发企业发展的关键问题，而企业融资则在其中发挥着不可替代的重要作用。整体来看，目前我国金融体系对房地产开发企业的支持力度已经有了很大提升，但从房地产开发企业的发展需要来看，其仍然存在的很大不足，而这些不足的产生与我国政府职能不到位、直接融资体系不完善、缺乏完善的法律体系以及民间融资成本较高等因素有着直接的关系。为此，我们也需要从政府职能、融资体系、法律保障和民间融资的角度出发，通过相关措施的实施来解决。

根据我国经济发展的不同阶段，国家不断出台与发展阶段相对应的法律和政策来鼓励房地产开发企业的发展，关于企业融资的法律也相继出台，一些涉及房地产开发企业融资问题的制度在很大程度上促进了企业更好的发展。但是从整体来看，这些法律法规都是在融资渠道和企业自身结构方面进行了研究，对于房地产开发企业自身如何发展，信用机制如何建立，都没有提出相应的建议。为此，本文选择房地产开发企业融资作为研究对象。

关键词：房地产开发企业，融资，银行，民间借贷

Real estate development enterprise financing

problems research

ABSTRACT

Real estate development enterprise is one of the most important parts of our country. It plays a very important role in promoting the development of national economy and increasing employment. However, with the economic development, the development of the real estate enterprises facing difficulties have become increasingly prominent, accelerating the transformation of enterprises, improve the core competitiveness of enterprises has become a key problem in the development of China's real estate development enterprise, and enterprise financing plays an important role in the irreplaceable. Overall, China's financial system to support real estate development enterprises has been greatly improved, but the need of the development of the real estate enterprises, there are still insufficient, and our government functions is not in place, these problems have direct financing system is not perfect, the lack of higher the perfect legal system and private financing costs have a direct relationship. To this end, we also need to start from the perspective of government functions, financing system, legal protection and private financing, through the implementation of relevant measures to solve.

According to the different stages of economic development in our country, the country is introduced and the development stage of the corresponding laws and policies to encourage the development of real estate development enterprises, law on corporate financing is also introduced, some issues involved in real estate development enterprise financing system to a great extent, promote the development of enterprises better. But on the whole, these laws and regulations are in terms of financing channels and enterprise

itself structure are studied, for real estate development enterprises how to develop itself, how to establish credit mechanism, puts forward corresponding Suggestions. Therefore, this article choose real estate development enterprise financing as the research object.

KEYWORDS：Real estate development enterprises, financing, bank, private lending