Indirect long-term real estate financing model and

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Indirect long-term real estate and construction financing mode

Government intervention greatly enhanced the confidence of financial institutions, improve the housing financial market infrastructure and institution building, but also greatly stimulated the demand for residents and investors, home buyers, attracted a large inflow of funds into residential mortgage market. In our present circumstances, security agencies established by the Government, as a firm's Government guarantees the construction of the system, one must be specially equipped with the Government's guarantee operations of the organization; second is to be a guarantor of the well known and readily adjusted. The third is to establish personal bankruptcy system. 3, the credit system. Credit Systems for the direct purpose is to reduce credit risk, to ensure the safety of bank loan debt: the indirect purpose is that the findings can be used to suggest improvements to the customer, providing management consulting services, but also as a good choice for the development of banks and corporate customers , the focus of the relationship between personal credit. In the credit agency, the current implementation of the principles of the universal: The contents of the first two principles in fact in the At the same time, the use of the Credit into the enterprise credit and personal credit. The purpose of the real estate business credit, mainly to provide financing for the development and management for credit analysis, credit information should include: enterprise management, business, liquidity,[link widoczny dla zalogowanych], industry characteristics, and accurately grasp the overall financial analysis. The main personal credit investigation should include: personal conduct, solvency and collateral such situation. (D) the construction of the external macro-environment system. External macro environment,[link widoczny dla zalogowanych], mainly refers to the impact of indirect financing of real estate laws and regulations,[link widoczny dla zalogowanych], the three major government policies and regulatory environment. l, legal and regulatory environment. First, we must as soon as possible to overcome the aforementioned lack of laws and regulations and their deficiency. The second is to gradually establish a wide range of internal harmony, is in line with international practices and adapt to the characteristics of a specific period of Chinese real estate finance regulations. Should also pay close attention to development of Law, 2, monitoring the environment. Market economy is the emphasis on the force of law, while relying on the force of law to play a major oversight. According to China's national conditions, the establishment of monitoring system should be multi-layered. The first level is the state of real estate industry, the overall supervision of indirect financing and set specific institutions; second level is the operating system and the different stages of the supervision and structure; third level is specific to each development project funding operation of law enforcement. 3, the Government supports the environment. As mentioned earlier, the market economy is essentially the role of government and market combination. Thus, even in the developed market of 24 In our country, because when the development of real estate finance industry �� J is not long, a lot of mechanisms not yet established, the role of government is even more important. Function is the Government's system of indirect financing of real estate to function effectively preconditions. I believe that, as a market economy system of government, in the real estate and real estate finance development should play services, supervision,[link widoczny dla zalogowanych], coordination functions. Taken together, the main financing systems,[link widoczny dla zalogowanych], internal support systems and external macro-environment system, long-term pattern of indirect financing the construction of real estate as shown below: I leech Hang VMS destroy ==---_ J ~ l1 Figure 2 Indirect long-term real estate financing model