8月15日,中国人民银行发布《2004年房地产金融报告》。该报告深刻地分析了我国房地产市场存在的一系列问题,如,市场信息不充分、不对称,政府监管效率有待提高;房地产企业不规范,某些开发商和某些基层银行相互勾结进行假按揭、假担保等。报告特别指出,房地产行业存在的上述问题,特别是期房预售中的不规范问题使国家面临巨大金融风险。因此建议取消期房预售制度。央行的这一建议不亚于一场大地震。报告发表后,大地产商纷纷发表言论,指责央行脱离实际,不了解房地产行业现状;中小开发商则随声附和,大有国难当头,同仇敌忾的气 August 15, the People’s Bank of China released the “2004 Real Estate Financial Report.” The report profoundly analyzed a series of problems existing in the real estate market in our country, such as inadequate and asymmetric market information and the government supervision efficiency to be improved; real estate enterprises did not regulate and some developers and some grassroots banks colluded with each other to carry out false mortgage , False guarantee and so on. In particular, the report pointed out that the real estate industry, the above problems, especially the pre-sale 期房 non-standard problems facing the country facing huge financial risks. Therefore, it is recommended to cancel the 期房 presale system. The central bank’s proposal is no less than a major earthquake. After the report was published, big developers said they criticized the central bank for being out of touch with reality and did not understand the status quo of the real estate industry. Small and medium-sized developers echoed each other with great courage.