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青岛理工大学毕业论文I摘要中国房地产业经过二十余年的发展，已经发展成为一个对国民经济具有重要影响，受到社会普遍关注的产业。房地产开发企业的融资问题一直是个热点问题。由于房地产业是资金密集型行业，在土地开发和商品房经营过程中需要大量资金的投入，需要健全的金融业和资本市场作为其强有力的支撑。不断扩大融资渠道、降低融资成本，是房地产开发企业寻求持续发展路径和提升资本运营能力的必然要求。本文首先对国内外研究现状进行了归纳总结，简要介绍了房地产企业融资渠道相关概念，重点分析当前和未来房地产开发企业的融资渠道所存在的问题及相应对策。文章针对我国房地产企业融资过程中所存在的融资渠道单一、严重依赖于银行贷款等问题，从构建多元化融资方式、构建房地产企业不同发展阶段的融资渠道组合、优化我国房地产企业融资渠道支撑体系等方面提出了优化我国房地产企业融资渠道的对策措施。关键词：房地产开发企业，融资，融资渠道青岛理工大学毕业论文IIABSTRACTAftermorethantwentyyearsofdevelopment,theChina'srealestateindustryhasdevelopedintoanimportantinfluencefactorofthenationaleconomy.Thefinancingproblemofrealestateindustryisalwaysthehotissue.Forthat,therealestateindustryisclassifiedasacapital-intensiveindustrywhichneedsalotoffundintheaspectoflandexplorationandcommodityhousebusiness,andthefinanceindustryandhealthycapitalmarketasitsstrongsupport.Sowhetherrealestateenterpriseshavegoodfinancialchannelsinfluencesthesustainedanddevelopmentofrealestate.Firstly,thearticlereviewsandanalyzesthegeneraltheoryoffinancingofenterprise,andthenintroducesthecharactersandinfluentialfactorsofthefinancingchannelsofrealestateindustry;thefocusofthepaperisonhowtoresolveissuesofthefinancingchannels.ThenthePaperbroughtforwardcountermeasuresaimingtooptimizefinancingchannelsforrealestateenterprisesinChina.Themeasuresmainlycoverthreeareas:Constructionofawidenrangeoffinancingmode;theconstructionoffinancingchannelscombinationindifferentdevelopmentstages;theoptimizationofChina’ssupportingsystemofrealestatefinancingchannels.KEYWORDS:realestateenterprise，financing，financingchannels青岛理工大学毕业论文I目录摘要.............................................................................................................................IABSTRACT..................................................................................................................II前言............................................................................................................................1第1章绪论..................................................................................................................21.1研究的背景和意义..........................................................................................21.2国内外研究现状..............................................................................................31.2.1国外研究现状........................................................................................31.2.2国内研究现状........................................................................................41.3本文主要研究的内容......................................................................................5第2章房地产企业融资渠道概述..............................................................................72.1房地产企业融资基本概念及其特征..............................................................72.2房地产企业主要融资渠道..............................................................................72.3房地产企业融资渠道选择的主要原则..........................................................8第3章我国房地产开发企业融资现状及主要问题分析........................................103.1我国房地产企业融资现状............................................................................103.2我国房地产企业融资渠道存在的主要问题................................................123.2.1过于依赖银行......................................................................................123.2.2直接融资所占比例小..........................................................................133.2.3外资在房地产融资中所占的比重呈下降趋势..................................14第4章优化我国房地产企业融资渠道的对策措施................................................154.1构建多元化的融资渠道................................................................................154.1.1股权融资..............................................................................................154.1.2房地产信托..........................................................................................164.1.3债券融资..............................................................................................174.1.4夹层融资..............................................................................................174.2构建房地产企业在各发展阶段的融资渠道组合........................................184.2.1创业阶段..............................................................................................194.2.2成长阶段..............................................................................................194.2.3成熟阶段..............................................................................................204.3优化我国房地产企业融资渠道的支撑体系................................................20青岛理工大学毕业论文II4.3.1完善相关法律法规体系......................................................................214.3.2完善房地产企业贷款担保体系..........................................................214.3.3完善房地产信用评级体系..................................................................22结论..........................................................................................................................24致谢..........................................................................................................................26参考文献.................................................................................