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                          經濟學essay范文:Financing of real estate enterprises

                          時間:2019-01-03 15:06來源:未知 作者:quanlei_cai 點擊:
                          導讀:這是一篇經濟學essay范文,討論了房地產企業融資。作為一個資本密集型的行業,金融業支撐著房地產業的發展,為房地產企業提供巨大的資金支持。然而,現階段的房地產業存在著許多
                          導讀:這是一篇經濟學essay范文,討論了房地產企業融資。作為一個資本密集型的行業,金融業支撐著房地產業的發展,為房地產企業提供巨大的資金支持。然而,現階段的房地產業存在著許多急需解決的問題,融資難就是一個重要的方面。對融資渠道進行拓寬,以解決融資的壓力,成為各房地產企業最關心和首先要解決的問題。要想徹底改變房地產企業的融資現狀,解決融資中的多種問題,離不開企業和金融的共同努力。
                           
                          With the rapid development of economy, real estate industry is becoming more and more important in economic development. As a capital intensive industry, the finance industry supports the development of the real estate industry and provides huge financial support for real estate enterprises. However, there are many problems that need to be solved in the real estate industry at this stage, and financing difficulty is an important aspect. The financing channels are widened to solve the pressure of financing, which is the most concern and the first problem to be solved by real estate enterprises.
                          隨著經濟的快速發展,房地產業在經濟發展中變得越來越重要。金融產業作為資本密集型產業,支撐著房地產業的發展,為房地產企業提供了巨大的金融支持。但現階段房地產業還存在許多問題需要解決,融資困難是其中一個重要方面。拓寬融資渠道,解決房地產企業最關心、最需要解決的融資壓力問題。
                          With the improvement of people's living standard, people's demand for housing is increasing. Correspondingly, the demand for bank loans is increasing gradually. The capital of real estate development is mainly from bank loans, that is to say, Banks provide funds to support the development of the real estate industry. However, in recent years, along with the real estate enterprises, each enterprise in the increasingly competitive, through bank loans to real estate development financing is becoming more and more difficult to achieve, makes the financing channels of enterprises more and more narrow.
                          隨著人們生活水平的提高,人們對住房的需求也在增加。相應地,對銀行貸款的需求也在逐漸增加。房地產開發的資金主要來自銀行貸款,也就是說,銀行提供資金支持房地產業的發展。然而,近年來,隨著房地產企業的競爭日趨激烈,各企業通過銀行貸款來進行房地產開發融資越來越難以實現,使得企業的融資渠道越來越狹窄。
                          Due to countries have a strict control on corporate debt issuance, as well as the risk of bond market, many real estate enterprises can choose to stay away from the bond market, bond market has been affected by the scale, make the bond issue. Many companies eager to issue bonds of the company, however, strict bond issuance system will be at the door and many small and medium-sized enterprises and the bond market itself there are many deficiencies, most enterprises choose to stay away from this kind of financing way.
                           
                          Financing is an important channel for enterprises to obtain financial support and solve financial problems, which is the only way for real estate enterprises to succeed. However, due to the state's strict supervision of the listing, most enterprises have problems that do not meet the requirements of listing. Real estate is a special industry, the enterprise generally there is a high debt ratio, therefore, for the safety of the financial markets, countries increased the control of the listed real estate enterprises, makes many enterprises cannot be successfully listed in a short time.
                           
                          The rise and fall of real estate enterprises cannot be separated from the macro-control of the state, and the whole market economy cannot leave the country's regulation and independent operation. Affected by financial crisis, the real estate industry, once in brief crisis situation, to promote the development of real estate, national policy, introduced a variety of stimulating domestic demand, the real estate industry rebirth in the crisis, and rapid development in the next few years. It can be seen that the macro-control of the state plays an important role in the development of the real estate industry. However, in recent years, China has been experiencing a persistent property bubble, and many experts have predicted that the bubble could trigger another, more damaging financial crisis. In order to avoid the occurrence of financial crisis, the state has issued numerous regulation policies to control the continuous rise of housing prices, which makes it more difficult for real estate enterprises to raise capital.
                           
                          Real estate enterprises financing channels are mainly bank loans, according to the statistics, real estate enterprises the proportion of capital in the bank for more than 60%, in addition, real estate development funds, charge buyers deposit and advance payment of more than 50% came from bank loans, thus it can be seen, real estate enterprise has a strong dependence on bank. Bank loans are only one aspect of external financing, including equity investment, real estate trust and so on. These external financing methods have certain limitations. Internal financing is also a way for enterprises to raise funds, which is a way to expand reproduction, with low cost and low risk. However, this type of financing can only be used as a financing method when the enterprise funds are tight.
                           
                          The financing of real estate enterprises in China is a big dependence for the financial, however, there is a widespread system is not sound financial market of our country, development is not perfect, affect the diversified development of enterprise financing channels, and the types of bank loans is less, lack of innovation, all of these seriously restrict the development of the financing channels. Because the real estate itself is a capital intensive industry, due to its intensive degree of influence, enterprises have a variety of problems, such as insufficient funds, excessive leverage, and so on. In addition, bank loan is the main channel of financing for real estate enterprises. However, the variety of bank loans is too simple and lack of innovation to meet the demand of the real estate industry. All the time, China's lack of innovation in the variety of bank loans is only satisfied with the maintenance of a few products, which severely restricts the financing development of real estate. Moreover, the existing financing channels are narrow in themselves, and other financing methods cannot be used, which also affects the financing of real estate enterprises. Therefore, to change this state, we need to pay more attention to the reform of the financial system and the innovation of financial products.
                           
                          With the rapid development of China's economy, the real estate market there are more and more small and medium-sized enterprise, the enterprise's overall quality is low, the operation mechanism is not perfect, there is a widespread credit is low, such problems as high risk, the emergence of these problems, makes the small and medium enterprises in financing in the process of struggling, seriously restrict the development of these enterprises grow, or even change the financing of the entire real estate industry.
                           
                          Build a diversified real estate financing mode is an effective way to broaden the financing channels, the real estate development encountered many problems in the process of financing, to solve these problems, will change of financing depends on bank loans. At the third plenary session of the 16th CPC central committee, China proposed the four pillars of the financial industry, which laid the policy foundation for the construction of the diversified model of real estate financing. Real estate enterprises should seize the opportunity, and strive to realize the innovation of the financing way, broaden the financing channels, thoroughly change the traditional rely on bank loans financing way, for the enterprise to create powerful capital support, the concrete can be from the introduction of capital and increase the bond issuance, trust, and many other aspects.
                           
                          The realization of the diversification of real estate financing is inseparable from the joint efforts of enterprises, finance and government, especially the improvement of enterprise's own quality and competitiveness. On the one hand, the first thing enterprises should do is to improve their credit rating system, which can not only effectively promote the steady development of the real estate industry, but also maintain the stability of financial market. To perfect the credit evaluation system, the enterprise first priority is to change the system, not only regard it as the approval process will go program, more to them as the real needs of the enterprise, on this basis, the enterprises should further conduct strict norms of credit ratings, achieve the fair and reasonable. Enterprise can also through the issuance of bonds, the introduction of foreign institutions, draw lessons from foreign credit rating program methods such as improving their own rating system, not only can improve the professional ability of enterprise credit rating agencies, can also be the rating agencies to market, further enhance the impartiality of the rating system. On the other hand, enterprises should strive to improve their competitiveness, expand the scale, improve the level of specialization, and strive to create their own brand, make the enterprise in an impregnable position in the intense market competition.
                           
                          The rise and fall of cannot leave the government's macro-control of real estate industry and the government's first priority is to create effective system for real estate enterprises financing environment, improve and perfect the corresponding laws, regulations, and supporting system. Real estate is a high-risk industry, to make its steady development, must improve the corresponding system and system, create a specification for the real estate industry financing environment, reduce the financial risks and promote the stable development of the real estate enterprises. In addition, the government will further strengthen the regulation of credit intermediary orgnaization, give full play to the impartiality of the intermediary agencies, to avoid the real estate enterprises to raise funds and credit agencies jointly obtain a bank loan. At the same time, it is necessary to strengthen the punishment of enterprises' illegal behaviors, establish credit files, and the government will take corresponding punishment measures when they find out that the intermediary organs are operating illegally. This method of maintaining the relative independence of intermediary institutions can not only strengthen the supervision of the government, but also promote the steady and healthy development of the whole market.


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