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1、中南民族大学硕士学位论文 I摘 要 随着我国住房制度的改革，房地产业已经成为内蒙古经济的一个新增长点，房地产开发投资、开发规模以及价格运行等方面都表现得引人瞩目。然而由于内蒙古房地产业发展时间不长，企业规模普遍偏小，资金实力不强，加之房地产企业融资渠道有限，资金来源不畅等问题的存在，使资金不足成为许多房地产企业扩大经济规模、增强市场竞争力的制约性因素。寻找更多有效融资途径，成为企业发展的必由之路。2003 年“121 号文件”即关于进一步加强房地产信贷的通知颁布以来，银行收紧银根，房地产信托融资在国内快速发展，同时也在内蒙古成长起来，为一定程度上解决内蒙古房地产企业资金紧缺问题带来了可能。基于
2、以上分析， 认识房地产信托， 分析内蒙古房地产信托融资现状以及存在的问题，进而结合内蒙古具体环境和发展趋势提出促进内蒙古房地产信托融资发展的对策是内蒙古房地产业发展的关键，这也构成了本文写作的核心内容。 首先，本文介绍了房地产信托基础知识，对内蒙古房地产信托融资发展的背景及现状进行了阐述，并在此基础上深入分析了推动其发展的动力因素。 其次，通过对内蒙古房地产信托融资的案例分析，得出目前内蒙古的房地产存在：信托产品信托期限普遍较短；信托产品流动性差；资金运用方式单一；投资地区集中，风险分散度低；风险意识薄弱；缺乏专业管理队伍等问题。文章在深入分析内蒙古房地产信托面临的环境、机遇的基础上预示了其未
3、来发展趋势。 最后，借鉴国内外房地产信托发展过程中的成功经验，提出建立房地产信托融资支持服务系统；推动房地产信托融资的创新；选择合适的信托模式；加强内蒙古地产信托证券化步伐； 制定房地产信托专业化人才培养战略； 完善相应法规，保障各方利益等措施促进内蒙古房地产信托融资市场健康发展。 关键词：内蒙古 房地产信托 融资 内蒙古房地产信托融资研究 IIAbstract With the developing of the housing system in our country, the real-estate industry have already passed through and be
4、came a new point of growth in the economy of Inner Mongolian and the property development investment, development scale or price movement all displays noticeably. However the fund hindrances many property development enterprise to expand the economical scale, to strengthen the market competitive pow
5、er insufficient ,which causes the enterprise have to seek more effective financing way because of the following questions :the real estate industry development time in Inner Mongolian being not long, the enterprise generally small, the fund strength not strong, adding the real estate enterprise fina
6、ncing channel to be limited, the fund originating the impeded. Since 21st document promulgation, the bank tightened the money market in the domestic fast development and the real estate trust toke its own superiority, solved the Inner Mongolian real estate enterprise fund problem and bring its the p
7、ossibility. Learning the real estate trust and analyzing the Inner Mongolian real estate trust financing present situation, the existence question and unifying the Inner Mongolian concrete environment and the trend of development proposed promotes the Inner Mongolian real estate financing developmen
8、t countermeasure is the key to the real-estate industry in Inner Mongolia and also becomes this article the core. This paper launches like this. Firstly, some elementary knowledge of the real estate trust is introduced. Secondly, the paper draws the following conclusion: the deadline of the present
9、Inner Mongolias real estate trust product is generally short; the trust product fluidity is bad; the utilization of capital way is unitary; the area of the invests is centralized, which does not favor the dispersible risk; risk consciousness is weak; the specialized management troop is lacks and so
10、on based on the following facts such as the condition the real estate trust is financing ,the factor the real estate trust development of Inner Mongolian is impelled and the present situation the Inner Mongolian real estate trust is financing and the real estate trust product the union already distr
11、ibuted is analyzed .And then the article will thoroughly analyze the environment, the opportunity foundation which the Inner Mongolian real estate trust presently faces and indicates its future trend of development. Finally the following tentative plans are proposed .These plans are :the profits fro
12、m in the domestic real estate trust developing process the success experience, the real estate trust financing 中南民族大学硕士学位论文 IIIsupport service system should be established, the real estate trust financing innovation should be impetuses, the appropriate trust pattern should be chosen. Furthermore, at
13、 the right moment real estate investment trust (REITs) should be cultivated, the Inner Mongolian real estate trust securitization step and formulation real estate trust specialization personnel training strategy should be strengthened, the consummation corresponding laws and regulations, measures sh
14、ould be more perfect the benefits on various aspects should be safe guarded. It is only way that can the Inner Mongolian real estate trust financing market develop healthily. Key word: Inner Mongolia；the real estate trust；financing中南民族大学中南民族大学 学位论文原创性声明学位论文原创性声明 本人郑重声明：所呈交的论文是本人在导师的指导下独立进行研究所取得的研究成果
15、。除了文中特别加以标注引用的内容外，本论文不包含任何其他个人或集体已经发表或撰写的成果作品。对本文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。本人完全意识到本声明的法律后果由本人承担。 作者签名： 日期： 年 月 日 学位论文版权使用授权书学位论文版权使用授权书 本学位论文作者完全了解学校有关保留、使用学位论文的规定，同意学校保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅和借阅。本人授权中南民族大学可以将本学位论文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本学位论文。 本学位论文属于 1、保密，在_年解密后适用本授权书
16、。 2、不保密。 （请在以上相应方框内打“” ） 作者签名： 日期： 年 月 日 导师签名： 日期： 年 月 日 中南民族大学硕士学位论文 1绪 论 一、研究背景 （一）房地产业成为内蒙古经济增长主要动力 随着我国住房制度的改革， 房地产业己经成为内蒙古经济增长的一个新的增长点。房地产业的产业关联度较高，它的发展可以同时拉动建筑业、钢铁业、金融业等行业的增长，对经济的可持续发展起着重要的作用。2005 年，内蒙古地区生产总值实现 3822.77 亿元，同比增长 21.6，高于全国平均水平 11.7 个百分点；地方财政一般预算收入达到 277.45 亿元，同比增长 39.4；第三产业增加值 1537.55 亿元，增长 17.9。重要经济指标全线飘红，主要依靠 50以上固定资产投资增长率的推动， 房地产投资对 GDP 的强劲拉动力更使地方政府将房地产作为发展经济的万能钥匙。2005 年，“呼、包、鄂”三市房地产对 GDP 的拉动均接近 17(含建筑材料、家电
