【正文】
極拓寬中小企業(yè)融資渠道的房地產(chǎn)信托融資的發(fā)展,金融產(chǎn)品的發(fā)展,并采取一系列措施迫在眉睫?!段覈康禺a(chǎn)中小企業(yè)融資問題研究》摘 要房地產(chǎn)在我國中小企業(yè)融資問題研究上作為中國經(jīng)濟(jì)發(fā)展的主導(dǎo)產(chǎn)業(yè),隨其不斷發(fā)展,房地產(chǎn)中小企業(yè)融資困難的問題越來越突出。目前, 我國的房地產(chǎn)資金來源主要分布在銀行信貸和房地產(chǎn)信貸。 房地產(chǎn)行業(yè)的特征為項(xiàng)目開發(fā)周期相對較長、資金周轉(zhuǎn)不夠快,所以房地產(chǎn)企業(yè)的資金需求是內(nèi)源融資的資金量所無法滿足的。近年來,隨著國家宏觀調(diào)整房地產(chǎn)行業(yè),銀行信貸的緊縮,使得中小房地產(chǎn)企業(yè)的資金供應(yīng)非常緊張,從而,使中小房地產(chǎn)企業(yè)融資困難的問題逐漸浮出水面。關(guān)鍵詞:中小企業(yè),房地產(chǎn)融資,銀行信貸,房地產(chǎn)信托,債券 AbstractThe real estate industry of the pillar industry is our country economy development, difficult problem of financing is increasingly outstanding. Bank lending, the current real estate is the main source of funding channels for a single, financing volume is not large, therefore, should actively broaden the financing channels, the development of the trust funds, financial products, real estate development to take a series of measures such as stock financing, meet the needs of enterprises for capital. This paper studies the status quo and the plight of real estate financing, financing ways should be multichannel development is put forward, and solve the problem of financing difficulties, so real estate enterprises sustainable development.Real estate is a capitalintensive industry, capital turnover period is long, the early stage of the need to invest a lot of money, so the financing problem is related to the survival of enterprises. Most developers are financing from bank loans, single source. In recent years, with the national nuclear regulation and the real estate industry, bank credit crunch, aggravates the strain of the money supply in the real estate industry, real estate financing system flaws are increasingly exposed. In order to realize the sustainable and healthy