信贷调整对我国房地产企业的影响及其对策.PDF

第26卷 第1期 重庆建筑大学学报 V01．26 No．1 ianzhu Universi Feb．20o4 Journal of Chongqing J 2OO4年2月 — — — — ． ． ． ． ． ． ． ． ． ． ． ． 。 ． ． ．．．． ．．．．． ．．— — 文章编号：1006—7329(2004)01一OO97—05 信贷调整对我国房地产企业的影响及其对策 徐 峻， 颜 哲， 祝亚辉 (重庆大学 建设管理与房地产学院，重庆 400045) 摘要：结合我国房地产市场的现状，分析了信贷调整对其造成的主要影响，在此基础上，提出了 房地产企业增强竞争力及抗风险能力的几点建议。最后，强调信贷调整在使企业面临巨大压 力的同时，对真正有实力的房地产企业来说却是个减少竞争对手、扩张规模的大好机遇，房地 产企业应抓住机遇，迎接挑战，把企业做大做强。 关键词：信贷调整；结构；品牌；融资；并购 中图分类号：F293．33 文献标识码：A Main Influences of Credit and Loan Adjustment Policy on the Real Estate Enterprises and Their Countermeasures XU Jun，YAN Zhe，ZHU Ya—hui (College ofConstruction Management＆Real Estate；CU，Chongqing 400045，P．R．China) Abstract：In conjunction with the current situation of the real estate market in China，the main．influence caused by the credit and loan adjustment policy is analyzed．On this basis，it has proposea some suggestions on how to strengthen the competitiveness and ability to resist risk of the real estate enterprise．At the end，it is emphasized， that the credit and loan adjustment policy not only makes the enterprise under enormous pressure，but provides a great opportunity of reducing rivals and expanding its OWII scale to those really powerful real estate enterprises．The real estate enterprise should seize this opportunity to meet the challenge to expand and strengthen itself． Keywords：credit and loan adjustment policy；structure；brand；financing；enterprise merging 为了规避信贷风险，挤压房地产泡沫，中国人民银行于6月13日正式发布了《关于进一步加强房地 产信贷业务管理的通知》，对房地产企业流动资金作出了新的规定，核心内容是： 1)房地产开发企业申请银行贷款，其自有资金(指所有者权益)应不低于开发项目总投资的30％； 商业银行发放的房地产贷款，严禁跨地区使用；商业银行不得向房地产开发企业发放用于缴交土地出让 金的贷款；承建房地产