美国次贷危机对中国发展房地产金融创新的启示

American subcrime crisis's inspiration to China present macro economy control

房地产金融创新是房地产金融业发展的必然要求,对促进房地产业发展具有重要意义。房地产金融创新也会产生风险,次贷危机的爆发生动而深刻地展示了房地产金融创新的现实风险,引起了金融界关于加强监管的反思。本文认为:对于房地产金融创新,我们应正确认识其价值和局限,全面协调推进创新,有效防范风险。要从中国实际出发,借鉴国际房地产金融创新的经验和教训,继续推进创新,改善监管,完善风险防范体系。

Innovation in estate finance is the inevitable requirement for the promotion of great significance to the estate industry development,where high risk lies in. Sub-loan crisis had demonstrated the reality of the real estate financial innovation risks, and the financial sector was leading reflection on the strengthening of supervision. This article holds that： we should exactly understand the value and limitations of the estate financial innovation, as well as coordinat and promote innovation,with effectively guarding against risks. In conclusion,It＇s a better way to draw on international estate finance experience and lessons of innovation on the basis of China＇s actual conditions, and continue to strengthen innovation with much more supervision and a improved risk prevention system.