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opment of corporate bond market , the improvement of relevant legislation and strengthen supervision , it can be appropriate to increase the real estate listed companies to issue short-term bonds and convertible bonds of the scale.

It is understood that in the real estate financing guarantee company plays an erection financing channels, to enhance the role of corporate credit . Guarantee the company's business has always been attached to the banking policy above , the loan is also the ultimate decision-making power rests in the hands of banks . Guarantee the company's involvement in large banks and real estate developers to solve the problem of asymmetric information between . Many real estate development enterprises in the part of the land premium paid after facing the problem of shortage of funds , at this time, it is possible to provide security company commissioned real estate loans. This approach allows enterprises entrusted with idle funds entrusted loans provided by banks to developers , both for developers seeking funds also provided a guarantee to achieve a win-win results.

National, local and sectoral promulgated a series of laws and regulations. But the system was incomplete, shall not specific . Overall, serious lag in real estate and economic development . Diversification in the real estate financing process, many emerging financing instruments without a corresponding system to regulate , which inevitably fall into chaos. Must establish and improve relevant legal system, the organizational form of innovative financing tools , portfolios, negotiable , revenue sources and distribution , making rigorous specifications. To make our country 's real estate development of diversified financing norms .

To create a housing loan guarantee agencies , and promote China's housing mortgage market formation . Accelerate the real estate finance business innovation , China's real estate is to ensure healthy and stable development of the financial guarantee. To learn to draw on the successful experience of Western countries , funded by the Government to support the formation of China's housing loan guarantee agencies . This will not only reduce the risk of mortgage defaults , but also can achieve diversified services.

In the credit crunch environment, the urgent need to get rid of the real estate financing lazy bank credit by a single situation , take the diversification route. But faced with the reality of the difficulties in the financial markets, real estate finance intermediary institutions are not perfect , financial products and financing are too scarce, laws and regulations are incomplete . This requires on the one hand countries in strengthening financial markets on the real estate macro control and management , to further improve laws and regulations , and strive to innovative financial instruments , and constantly enrich financing. On the one hand the real estate business itself actively expand financing channels , to avoid relying solely on bank funds , according to business characteristics, using a variety of financing methods .

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