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房地产金融:作用和问题过去几年,房地产贷款增长呈加速态势,规模超过1万亿元用了10年时间,超过2万亿元仅用了3年时间,2013年超过3万亿元。中国人民银行、中国银监会的调研报告显示,2000年以来房地产信贷在房地产企业资金来源中比例多数年份超过40%,2013年超过50%。这表明,存在对房地产业的过度金融支持问题,房地产融资过度依赖商业性金融机构的支持。结果是过度支持了商业性房地产市场板块的发展,保障性住房、互
Real Estate Finance: The Role and Problems Over the past few years, real estate loan growth has accelerated. It took 10 years to exceed 1 trillion yuan in scale. It exceeded 3 trillion yuan in 2013, exceeding 3 trillion yuan in 2013. According to the research report of People’s Bank of China and China Banking Regulatory Commission, real estate credit has exceeded 40% of the capital source of real estate enterprises in most years since 2000 and over 50% in 2013. This shows that there is a problem of excessive financial support to the real estate industry, over-reliance on commercial financial institutions for real estate financing. The result is over-support for the development of commercial real estate market segments, affordable housing, mutual