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资金链管理的分析------以房地产行业为例

时间:2021-08-14 来源:未知 编辑:梦想论文 阅读:
An analysis of the current situation of the capital chain management of real estate enterprises in China
 
At present, China's real estate companies have their own sources of funds and foreign funds.
 
The funds including the registered capital and the enterprise itself in the sales process to the charging of the purchase deposit, etc., and real estate companies with capital demand, characteristics of long construction cycle, relying on its own funds is far from sufficient to maintain the development needs of the enterprise. Therefore, the financial capital of the real estate business to become an important financial support. The main sources of foreign financing of real estate enterprises in China include bank loans, listing and financing, real estate development bonds, foreign capital lending, investment and cooperative development. At present, China's real estate enterprises in establishing its capital chain management to adapt to the business scale, financing channel, financing scale, planning and other aspects of the use of funds and many problems need to be solved, these problems in a certain sense, seriously affect the survival and development of China's real estate enterprises.
 
Two, China's real estate enterprise capital chain management problems
 
(a) lack of scientific and reasonable overall planning, resulting in more than a reasonable budget of funds
 
At the beginning of the real estate enterprises in the project investment according to the business objectives without making use of scientific and rational planning of funds, no plan budget, or the budget budget but the lack of rationality, in the capital has great randomness in the use, in the project construction stage to realize the control of the use of funds, so easy capital budget over a reasonable range of issues such as the existence of these problems will directly affect the real estate capital chain security in great extent.
 
(two) real estate developers to hoard up huge amounts of money, increasing the risk of capital chain rupture
 
According to the relevant data show that, with the development of the real estate industry, real estate developers to hoard, uncontrolled expansion project, in the process of real estate developers to hoard the need to take up a lot of money, which led directly to the many real estate companies exist the problems of insufficient funds in the development process of the real real estate projects, seriously affect the sustainable development of real estate projects. At the same time because of vicious competition among real estate developers, caused a lot of economic disputes and vicious competition in the market, these problems in a certain sense, further exacerbated the risk of the real estate business capital chain rupture.
 
(three) the development of capital market is not perfect, resulting in poor circulation of real estate finance
 
At present, the Bank of China in the financial market of real estate loans are the main sources of real estate financing, due to the development of China's capital market is still in the primary stage, thus leading to the real estate business in the process of real estate development in the heavily dependent on bank loan financing, but due to the current domestic internal capital market in view of the real estate enterprise financing tool less, investment products is not much, a direct result of China's real estate enterprises from the capital market direct access to a large number of development funds. The real estate industry itself is a capital intensive industry, and actively support the development of the real estate industry to the capital market, but due to the development of China's capital market is not perfect, resulting in the process of real estate development in most of China's real estate enterprises will appear serious problems between the capital chain, not conducive to the sustained and healthy development of China's real estate industry.
 
(four) the financial policy of strict control, resulting in the real estate enterprise funds tight
 
With the rapid development of China's new lending and loan scale control, led to commercial banks for real estate investment began to gradually reduce the scale at the same time, commercial banks in the real estate industry funding standards will be strictly in the development of more, this led to the serious dependent on commercial bank loans for real estate development enterprises financing there are more serious problems, and directly affects the further development of China's real estate industry.
 
Three, China's real estate enterprise capital chain management problems
 
To effectively manage and control the credit structure of commercial banks
 
At present, with the rapid development of China's land reserve loans, real estate industry began to be a serious limitation, therefore, according to our existing real estate enterprise capital chain management problems, we need to carry on effective management and control to the credit structure of commercial banks, focus on supporting the development of low-cost real estate development project at the same time, the need for further development of the investigation system, further strict lending standards, strict real estate industry risk management mechanism, promote China's real estate industry's further development and promotion.
 
(two) build a diversified source of funding channels
 
In recent years, China's development in the process of monetary tightening, there is no effective expansion of financing channels of the real estate enterprises so the problem of capital chain management for China's real estate industry, the first thing to do is to further improve China's capital market, increase market development and the way of securitization the financing of real estate enterprises by actively encouraging capital source of China 's real estate enterprises, but also need to actively broaden the financing channels of the real estate enterprises, through the introduction of the implementation of commercial real estate fund law, increase the financing of enterprises.
 
(three) develop the project development plan scientifically and strengthen the cost management
 
At the same time also need to develop a scientific and reasonable real estate project development plan, focusing on cost management of real estate projects, for the further development of the real estate industry fund on real significance, to solve the financial risks of real estate problems, ensure that the real estate capital chain management level to further enhance the development of.
 
(four) the relevant laws and regulations for the gradual improvement of foreign investment in real estate industry
 
In recent years, with the continuous change of China's macro-control policy, the RMB began to rise, at present, the development of foreign cooperation development of many real estate projects gradually by more financing, but also need the relevant laws and regulations on foreign investment in the real estate industry to further improve the development, through the realization of perfection and development the capital chain management of real estate enterprises from the legal level, which further enhance the real estate capital chain management development and progress, finally realizes the further development of China's real estate industry and progress.
 
Four, summary
 
At present, China's real estate industry is a capital intensive industry with high risk in the financial market, the bank loan is still the main source of real estate financing, due to the development of China's capital market is still in the primary stage, there is a serious restriction on the real estate capital chain management, the limitation and the Chinese real the development of real estate industry scale conflict, affect the survival and development of China's real estate industry to a certain extent. This paper is based on the analysis of the actual management of the status quo of China's real estate enterprise capital chain, existing in our country's real estate enterprise capital chain management problems in-depth inquiry, analyses the reason at the same time, the capital chain management of real estate enterprises existing problems, and puts forward corresponding measures to solve the problem, finally to ensure the further development of China's real estate enterprises and the progress.
 
Reference
 
[1] Xu Lixin, the history of snow clear. A study on the financing constraints and efficiency of enterprises based on the perspective of capital chain -- a case study of listed real estate companies in China [J]. Journal of Dalian University of Technology (SOCIAL SCIENCE EDITION), 2013,01:41-46.
 
[2] Zhang Fangfang, Zhang Wenke. There is a new situation in the real estate enterprise capital chain management [J]. analysis of problems and reasons of the green accounting, 2012,04:16-18.
 
[3] Zheng Jun. Study on the capital chain management of real estate enterprises --- Based on the financial risk of Guangxi real estate enterprises [J]. China's township enterprises accounting, 2015,05:40-43.
 
[4] Qu dan. Analysis on the problems and solutions of China's Real Estate Company funds strand breaks [J]. science and technology information, 2009,32:42-43.
 
[5] Chen zi. Some thoughts on perfecting the real estate financing system in China -- a discussion on the announcement of the people's Bank of China on Further Strengthening the management of real estate credit business [J]. China real estate, 2003,10:23-25.
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