文档介绍：2
第 26 卷第 1 期重庆建筑大学学报 Vol. 26 No. 1

2004 年 2 月 Journal of Chongqing Jianzhu University Feb. 2004
·建设管理与房地产·
文章编号:1006 - 7329 (2004) 01 - 0097 - 05
信贷调整对我国房地产企业的影响及其对策①
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 J un , YAN Zhe , ZHU Ya - hui
(College of Construction 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 proposed some suggestions on
how to strengthen petitiveness 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 pres
sure , but provides a great opportunity of reducing rivals and expanding its own 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;承建房地产建设项目的建筑施工企业只能将获得的流动资金贷款用于购买施工所必需的设备,严格
防止建筑施工企业使用银行贷款垫资房地产开发项目。
2) 对于个人房贷,商业银行只能对购买主体结构已封顶住房的个人发放个人住房贷款;借款人申请
①收稿日期:2003 - 10 - 24
作者简介:徐峻(1977 - ) ,女,贵州安顺人,硕士生,主要从事房地产市场营销与策划,建筑财务会计与资本运营研究。
© 1995-2004 Tsinghua Tongfang Optical Disc Co., Ltd. All rights reserved.
重89 庆建筑大学学报第 26 卷
个人商业用房贷款的抵借比不得超过 60 % ,贷款期限最长