房地产金融的现状及发展趋势分析以为例
目 录
一、引言 5
（一）研究的背景及意义 5
（二）国内外文献综述 5
二、房地产金融相关理论综述 6
（一）房地产及房地产金融概述 6
（二）房地产与房地产金融的关系 6
（三）房地产金融的典型模式 6
三、我国房地产金融的发展历程及存在问题 7
（一）我国房地产金融发展历程 7
（二）我国房地产金融发展的主要问题 8
四、山东省房地产金融的现状、存在的问题以及问题的成因 8
（一）山东省房地产金融的现状 8
（二）山东省房地产金融存在的问题 11
（三）山东省房地产金融问题成因 12
五、山东省房地产金融的发展趋势以及发展建议 13
（一）山东省房地产金融的发展趋势 13
（二）山东省房地产金融的发展建议 14
结论 15
参考文献 16
致谢 18
Abstract
This paper will start from the development course of development, Chinas real estate finance, to analyze the real estate financial situation, and the existence of the real estate financial problems in the development process of the solutions proposed, In shandong province.This article is segmented into six parts. The first chapter is the introduction, which expounds the research background, significance, research methods and feasibility analysis. The second chapter explores the real estate and real
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six parts. The first chapter is the introduction, which expounds the research background, significance, research methods and feasibility analysis. The second chapter explores the real estate and real estate financial markets from a theoretical perspective, and also studies the connection between the two, and the typical model of real estate finance and the cause of the risk. The third chapter analyzes the development process and existing problems of Chinas real estate finance according to the actual data. The fourth chapter analyzes the current situation of the real estate finance in Shandong province through the data analysis. At the same time, it analyzes the problems existing in the real estate finance of Shandong province and the causes of the problems. The fifth chapter analyzes the development trend of the real estate finance in Shandong province. The last chapter puts forward some ideas and suggestions for the development of Shandongs real estate financial market. Shandong province, as a large province, develops real estate finance in shandong province, which is conducive to the development of real estate finance in China.
Key words: real estate finance;Personal housing finance;The financing channels; Financial policy
一、引言
（一）研究的背景及意义
近五年来，商品房的销售单价从2010年的0.39亿元/万平方米进展到2015年的0.56亿元/万平方米。与此同时，个人住房信贷从2011年的852.52亿元增长到了2014年的1281.3亿元。如此高效迅速的增长幅度，对山东省房地产金要求也更加严苛。选取了山东省房地产金融行业近六五年的相关数据，依据相关理论，可有效的分析出山东省房地产金融行业的发展现状。并结合山东省房地产金融行业的近况，有效的分析出山东省房地产金融行业未来的发展趋势。
基于现有文献很少有对特定省份，尤其是对山东省的研究，本文针对山东省房地产金融的现状及发展趋势，结合其特点进行分析，从而得到有关房地产金融行业的发展策略。
（二）国内外文献综述
1.国外文献
作为美国大学教授的Kenneth patton(2006)在《美国房地产金融的发展和现状》一文中指出了目前的房地产金融行业与传统的金融行业在很多方面都存在很大的差别。William B.Brueggeman (2001) 在《房地产金融投资》一文中阐述了他对房地产金融行业的不同看法，他认为房地金融行业要想
一、引言 5
（一）研究的背景及意义 5
（二）国内外文献综述 5
二、房地产金融相关理论综述 6
（一）房地产及房地产金融概述 6
（二）房地产与房地产金融的关系 6
（三）房地产金融的典型模式 6
三、我国房地产金融的发展历程及存在问题 7
（一）我国房地产金融发展历程 7
（二）我国房地产金融发展的主要问题 8
四、山东省房地产金融的现状、存在的问题以及问题的成因 8
（一）山东省房地产金融的现状 8
（二）山东省房地产金融存在的问题 11
（三）山东省房地产金融问题成因 12
五、山东省房地产金融的发展趋势以及发展建议 13
（一）山东省房地产金融的发展趋势 13
（二）山东省房地产金融的发展建议 14
结论 15
参考文献 16
致谢 18
Abstract
This paper will start from the development course of development, Chinas real estate finance, to analyze the real estate financial situation, and the existence of the real estate financial problems in the development process of the solutions proposed, In shandong province.This article is segmented into six parts. The first chapter is the introduction, which expounds the research background, significance, research methods and feasibility analysis. The second chapter explores the real estate and real
*好棒文|www.hbsrm.com +Q: 3_5_1_9_1_6_0_7_2
six parts. The first chapter is the introduction, which expounds the research background, significance, research methods and feasibility analysis. The second chapter explores the real estate and real estate financial markets from a theoretical perspective, and also studies the connection between the two, and the typical model of real estate finance and the cause of the risk. The third chapter analyzes the development process and existing problems of Chinas real estate finance according to the actual data. The fourth chapter analyzes the current situation of the real estate finance in Shandong province through the data analysis. At the same time, it analyzes the problems existing in the real estate finance of Shandong province and the causes of the problems. The fifth chapter analyzes the development trend of the real estate finance in Shandong province. The last chapter puts forward some ideas and suggestions for the development of Shandongs real estate financial market. Shandong province, as a large province, develops real estate finance in shandong province, which is conducive to the development of real estate finance in China.
Key words: real estate finance;Personal housing finance;The financing channels; Financial policy
一、引言
（一）研究的背景及意义
近五年来，商品房的销售单价从2010年的0.39亿元/万平方米进展到2015年的0.56亿元/万平方米。与此同时，个人住房信贷从2011年的852.52亿元增长到了2014年的1281.3亿元。如此高效迅速的增长幅度，对山东省房地产金要求也更加严苛。选取了山东省房地产金融行业近六五年的相关数据，依据相关理论，可有效的分析出山东省房地产金融行业的发展现状。并结合山东省房地产金融行业的近况，有效的分析出山东省房地产金融行业未来的发展趋势。
基于现有文献很少有对特定省份，尤其是对山东省的研究，本文针对山东省房地产金融的现状及发展趋势，结合其特点进行分析，从而得到有关房地产金融行业的发展策略。
（二）国内外文献综述
1.国外文献
作为美国大学教授的Kenneth patton(2006)在《美国房地产金融的发展和现状》一文中指出了目前的房地产金融行业与传统的金融行业在很多方面都存在很大的差别。William B.Brueggeman (2001) 在《房地产金融投资》一文中阐述了他对房地产金融行业的不同看法，他认为房地金融行业要想
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