中国房地产

1、高银行资本利用率、降低银行风险等方面的优点很快得到世界的认可，并在世 界范围内迅速发展。
我国住房抵押贷款证券化起步较晚，且一直处于理论研究阶 段，至 2005 年才开始进入试点实验阶段，因此，中国有必要对房地产抵押贷款 证券化进行系统的研究。
本文首先介绍住房抵押贷款证券化的理论知识， 然后分 析我国住房抵押贷款证券化的发展现状和可行性， 最后针对我国房地产国抵押贷 款证券化存在的问题以及结合美国的经验教训提出相关政策建议。
关键词：住房抵押贷款 贷款证券化 房地产金融 II Abstract Mortgage-backed securitization (MBS), as one of the most important innovations in financial fields originated from 1970s. MBS was first practiced by the American financial institutions, which was recognized all around the world, and developed rapidl。

2、s been experiencing a mid-term correction since late 2007. This round of property sector downturn is cyclical rather than secular and will last from two to two and a half years (September 2007early 2010). From a longer-term perspective, the factors for sustainable growth of the housing market remain sound. These include relatively strong economic growth, positive demographic trends, urbanization, and upgrades in living standards. Along with the credit crunch and global economic rece。

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5、n rising an estimated 25% annually in recent years. Thats twice the jump in the median sale price of existing U.S. homes over the past year, and a sign that Chinas real estate market is in the midst of what some observers view as a potentially explosive bubble. The bubble is rooted in such factors as Chinas strong economic growth since 1990 and investor bets that Chinas currency, the yuan, will be revalued upward in the near future. But such speculation is helping push the pric。

6、销已成为众多房地产企业花费巨资竞争的对象。
难怪有些人曾经说过 ；房地产成功 5 0%在于地块选择 , 3 0%在于设计、规划 ；20%在于营销。
建筑设计的成功必须通过营销来完成和体现 ,可见 ,房地产营销的重要性。
然 而 ,看看最近千变万化的房地产营销大战 ,相当一部分开发商的促销手段只不过是“折扣让利”、“全天候物管”、“质量三包”之类的“老三篇”。
开发商的营销理念仍处于传统的住宅先竣工后促销阶段 ,而往往忽视了在开发过程中对消费者真实需求的调查分析。
其开发的房地产大都基本相同 ,其炒作的所谓卖点趋同 ,鲜有个性 ,难以刺激和满足购房者日趋多样化的消费欲望和需求。
这也许是许多开发商销售困难、积压的一个重要原因。
而那些独特性质的楼盘却很容易销售。
实践证明 ,在客户购买消费心理日趋成熟、住宅供大于求的情况下 ,房地产开发企业只有采取营销创 新 ,确立与众不同的卖点 ,才能在市场竞争中有所作为。
创新是房地产营销的生命线。
但在房地产市场里 ,遵循市场随处可见 ,想在房地产市场立于不败之地 ,营销创新的必要性可想而知。
只有走创新之路 。