About Optimizes XX City's Real Estate Financing Structure The Research

This article mainly elaborated XX city real estate financing structure question, as a result of the real estate industry and real estate financing market development synchronization, the real estate finance system is not perfect, the real estate financing way and the channel are unitary and so on the reason causes some real estate financing question productions, such as: Real estate enterprise financing structure unbalanced, debt financing excessively is high, excessively relies on bank loan financing. The real estate consumer did not consider the family property debt rate, blindly depends on the loan to buy room and so on. This article specifically elaborated through the data and the graph form XX city financing structure present situation, and has made the comparison with the national real estate financing structure present situation and the international development country financing structure present situation, discovered XX city real estate financing structure not to be unreasonable, further promulgated has had these questions reasons. In this foundation, proposed from government's angle constructs the perfect real estate finance system through the system innovation and the system, provides the external condition for real estate enterprise financing and real estate expense financing. From enterprise's angle, theory knowledge and so on relations which using the enterprise financing structural theory, the financing structure and the company governed proposed the optimized financing structure concrete method, namely opened up the financing channel, the establishment multiplication financing structure, the real estate financing negotiable securities, project financing, talented person financing and financing rents and so on. Proposed from individual consumer's angle the personal loan buys the room to have to consider own economical condition and the income level, cannot blindly with from, be allowed to buy the room fund or the folk through the establishment cooperation loans buys the room, like this may avoid loaning the interest rate to grow takes to consumer's pressure.