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1、-内容摘要长期以来，我国房地产融资以银行为主要渠道。但是，在新的宏观调控背景下,随着一系列紧缩房地产银行信贷的政策和措施相继出台，传统融资渠道的弊端逐渐显露出来,并且已经影响到了房地产金融的持续、健康发展。传统的方法一般包括：房地产直接投资、商业抵押贷款、合作开发或项目公司被收购、房地产企业上市居民住房按揭贷款（间接为开发商融资）等。由于房地产企业是一个资金密集型产业，资金的稀缺性和重要性对房地产企业来说就更为明显了，加之，中国经济的持续健康发展客观上需要改变目前房地产融资渠道不畅、资金短缺的局面，必须对目前房地产融资渠道进行创新。现行房地产企业融资渠道多为：银行信贷
2、、企业上市融资、托信融资、房地产投资基金、境外融资等。创新的目标是实现融资主体多元化，间接融资方式与直接融资融合化和长短资金互补化。创新的内容是，在多元化融资渠道中，除传统的银行信贷外，其他还有企业上市、房地产信托、房地产投资基金及境外融资等多种融资渠道。索引关键词：房地产融资、融资渠道、银行信贷.---AbstractLong-termsince,ourcountryestatefinancingtothebankasthemainchannel.But,inthenewmacro-controlbackground,withaseriesoftighteningc
3、reditbankofrealestatepoliciesandmeasureshaveissued,theshortcomingsofthetraditionalfinancingchannelgraduallyreveal,andrealestatefinancehaveaffectedthesustainableandhealthydevelopment.Thetraditionalmethodsgenerallyincludes:realestateinvestment,businessmortgages,cooperativedevelopmentorthe
4、projectcompanytakeover,realestateenterpriselistedresidentshousingmortgagesloan(indirectfinancingfordevelopers),etc.Becauserealestateenterpriseisacapital-intensive,capitalofscarcityandimportancetotherealestateenterprisethatismoreevident,inaddition,thesustainedandhealthydevelopmentoftheCh
5、ineseeconomyobjectivelyneedtochangethecurrentrealestatefinancingchannel,theshortageofcapitalsituation,mustberealestatefinancingchannelsofinnovation.Thecurrentrealestateenterprisefinancingchannelmorefor:thebankcredit,enterpriselistedfinancing,financing,"therealestateinvestmentfundletter,
6、offshorefinancing,etc.Thetargetofinnovationistorealizethefinancingofdiversification,indirectfinancingwaysanddirectfinancingintegrationandlengthofcapitalcomplementary.Thecontentoftheinnovationis,indiversifiedfinancingchannel,inadditiontothetraditionalbankcreditoutside,otherandenterprisel
7、isting,realestatetrusts,realestateinvestmentfundsandfinancing,suchasDuoZhongoutsidefinancingchannel.Theindexkeywords:realestatefinancing,financingchannelandbankcredit.---目录摘要IAbstractII第一章绪论11.1研究背景和研究意义11.2研究的主要内容1第二章房地产企业融资的概述12.1房地产企业融资的概念22.2房地产企业融资渠道的原则22.3传统房地产企业融资的分析42.4
