Study On The Real Estate Financial Policies And Their Effectiveness Of Our Country

As a capital-intensive industry, the real estate industry has a close relation with financial policy. With the development of our real estate market, the real estate industry's sensitive to financial policy raises continuously, the financial policy has become an important tool to control the development of the real estate industry. The establishment of right real estate financial policies is based on the right evaluation of the early financial policy effectives and forecasting of the future trend .So the first step to set up a valid real estate financial policy is to carry on summary and evaluate to the early financial policies. What this text does is exactly this work. The writer carries on a substantial evidence research on the early real estate financial policies, hoping to find out its strengths and weakness, in order to draw up a more perfect real estate financial policy to guide and adjust the real estate market.In the first part of the article, on the study of related documents, the writer summarizes the relationship between the real estate financial policy and the real estate period, and puts forward the path that the real estate financial policies influence real estate period from the theories, including: credit policies, housing policies and supervision policies etc.. Next, the writer introduces and analyses the contents and real results of the real estate financial policy after 90's from four stages .the point is effectiveness of real estates financial policies of two stages over 1998 years.In the second part, the writer carries on summary and introspects to the financial policy of our real estate. The trend of our real estate financial policy demonstrates in the following: the National Central Bank's concern toward real estate market alignment lives a benefit exaltation; the real estate financial policy changes its strength and structure gradually; the real estate financial policy adjusts to be heading, indirect and diversification. The factor that influences the real estate financial policy effect includes the problem of itself and the influence of the external world. The problem of itself includes: the policies lack consistency, the side effect leads greatly, valuing to region difference and structure difference are not enough. The disadvantageous factor of the external world mainly includes: The dual role of the government; Excessive support of banks and the mental expectation to real estate market of the public. Tallied up the experience preempts of our real estate financial policies finally: adjusting the empty opportune moment confidence prohibits; the administration means is excessive, the system design is not perfect.In the last two parts, combining actual develops of our real estate, the writer puts forward some advice to perfect the financial policy and strengthen effect. The suggestions that perfect real estate financial policy includes: the basic direction insisted finance supporting the development of the real estate market; paying attention to a long effect mechanism and keeping the coherent of policy; choosing the suitable controlling opportunity; paying attention to "region difference" and "structure difference".The integrations which strengthen the financial policy results includes, changing the dual identity of local government; opening wide investment outlet; strengthening the coordination of various policies: improving real estate financial law environment and building up sound monitor, warn and stability mechanism。...