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一、房地产业单一银行融资模式的明显特征:风险集中于银行鉴于中国金融市场,尤其是资本市场发展的滞后性,银行信贷资金占房地产投资资金来源的比例过高,房地产金融投融资体制单一、风险集中程度较高的特征非常明显。不同于我国的美国房地产金融模式显现出,近年来美国的房地产资金只有15%左右是银
First, the obvious characteristics of the real estate single bank financing model: the risk concentrated in the bank Given the lag of the development of China’s financial markets, especially the capital market, the proportion of bank credit funds in the real estate investment capital sources is too high, the real estate finance investment and financing system is single, The characteristics of higher risk concentration are obvious. Different from China’s real estate financial model shows that in recent years the United States only about 15% of real estate funds are silver