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Old 08-22-2011, 03:07 AM   #1
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Old 08-22-2011, 03:10 AM   #2
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Old 08-22-2011, 03:11 AM   #3
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341247 2010 年 09 月 28 日 04:04 Reading (loading. ..) Comments (1) Category: Personal Diary
human development, social development, science and technology in development. Why not let the quality of development? Maybe it was my fault too trusting, perhaps the fault of society and people can not make people trust each other. We may be young and may be our lack of experience, who grew up should be the accumulation of experience, the process of accumulation should also be suffering hardship or setbacks and friends for help. Friends should trust each other honest, I always believe that if I told my friend really should get paid the friendship in return. But I did not think I was wrong, and my honest in return was betrayal, is returned. I am honest with everyone, but I have a difficult time no one can help me or for me to consider,red wing shoes sale, although the matter resolved but like to eat flies. Nausea ~! I confirm that I have the error should be compensated for others, I should atone for this person, why has no one to back my play is not just my problem. Perhaps the social development to the present should not trust people like this. I appreciate everyone that no one understand me but I also got some experience to tell you after this experience should also sign a contract to pay the toilet ah ~,red wing boots! People is too dangerous a ~! Forget it ~! I'll question him 500 yuan,red wing shoes, earn less than 500, is not making 500 in the accompany! Oh with the ceremony on when the ~ ~,red wing shoe store! ,red wing sale! ,red wing heritage!
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Old 08-22-2011, 03:11 AM   #4
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Reprinted from 549001870 at 22:12 on October 21st, 2010 Read (loading. ..) Comments (0) Category: Personal Diary interest rates will allow banks to real estate inbreeding

interest rates (and the central bank to raise interest rates irrespective of how reckless), the shares of the bank that has been good sell-off, partly because of asymmetric interest rates have an impact on the bank, but mostly is that real estate loans for the financial system, it is very important. The real estate also need credit, but our credit, from table to table, but have cut off the chain of real estate finance companies,red wing mens boots, many housing prices no way out but to seek private financing high, which resulted in the real estate use of the high capital costs.

improve the real estate venture capital operating cost of one square meter will not increase the housing supply, on the contrary, a lot of room rate can not be started, or delayed start, thus limiting the housing supply, making the imbalance between supply and demand already contradiction is more unbalanced.

more importantly, a series of limit orders and the purchase of loans that artificially prevent market transactions, in order to achieve real estate regulation achieved significant \Many houses simply can not deal, a deal can not be transferred, asked why, fear of pushing up prices. Hide Do not push prices up yet? This is a funny question,red wing shoes sale, she replied, developers reluctant sellers cover plate, side to stop the transaction, it is incredible.

real estate reforms, the financial system to significantly lower bad debts, and various financial systems have been built up, real estate and financial system, forming a win-win situation. Many people say that sacrifice is the price, but prices remain high, not the result of real estate reform, it is the administrative monopoly and a variety of fast track short-sighted policy led to the.

have claimed that the real estate kidnapped the bank, have called Bank of kidnapping, real estate, banking and real estate to understand the tangled question of who kidnapped who must clarify their relationship.

According to the CBRC Vice Chairman Wang Zhaoxing in January 2010 revealed that the data,red wing boots, real estate development loans and individual housing mortgage loans have accounted for the incremental bank loans and the loan balance of 20%. According to the April 2010 bank data released by real estate loans accounted for the balance of bank loans has more than 20%, the highest reaching 25% of Construction Bank. Moreover, Chinese banks like to lend to developers, rather than lend to other industries, is almost a universally accepted fact.

In general, the relationship between banks and developers, such a process: developers get some capital in the bank loans for development to take place, and then hire, not only help developers quickly withdrawn from circulation funds, and it helps to increase bank profits, this way, the bank took double the money.

then, the two-way prices and bank loans are not necessarily associated with it? In fact, the price is often the price of bank loans will have a great impact, and impact on the price of bank loans not imagine so much. However, bank interest, credit and other effects on the real estate market can not be underestimated, after all, real estate is capital-intensive industry, the relatively stable monetary policy, monetary policy, largely determine the direction of the direction of the real estate market.

First, the real estate sales prices affect the price level by its own previous large, indicating whether in the long term or short-term, real estate sales prices have a certain inertia. Second, changes in the real estate mortgage loans no significant effect on market prices; contrast the rise of commercial housing sales price payment mortgage loans will have some negative impact. Third, the increase in development loans in the short term and can not result in downward pressure on market prices, prices are still rising, in the long term, due to factors such as land, real estate development loans to increase the supply of little contribution to the increase in the price will remain high; and sales of commercial property prices will rise in the scale of the expansion of bank development loans lead to a greater positive impact.

sense from a management program,red wing work boots, real estate development, construction, operation is generally divided into five stages, namely, decision-making phase of the project, construction preparation stage, construction stage, the sales stage and commissioning stages.

project decision-making stage of mainly refers to the real estate project feasibility study stage, through the analysis of the overall project, its economic, technical and financial feasibility of judgments. At this stage, the bank will not directly involved, but the preparation of investment plans, the financial evaluation, financing will be arranged. So, the banks may have been involved at this time, even if only the developer's wishes.

construction preparation phase is mainly related to land and go through formalities of the stage. In this stage, access to land is a relatively large investment in real estate investment, project development costs accounted for about 35% to 40%. Therefore, at this stage will involve financing, bank loans as a common form of financing is usually the first choice for developers, the banks involved in real estate development which the primary market - the land market.

construction phase is the specific real estate projects in the construction process,red wing shoes outlet, in the process will involve a lot of capital investment, this time developers to use more development project financing model form of loans, and its under construction collateral for loans to finance projects, the bank will participate in the process of real estate development process, involved in the secondary real estate market - real estate market.

real estate sales stage, a process of real estate developers to return the funds, if secured, the developer solutions of the first to charge, and pre-sale or are sold. In this process, for the residential real estate projects, whether it is or is sold pre-sale, and its common form is to provide individual housing mortgage loans. In this process, the bank is paid by the buyers who participate in the form of loans to the secondary real estate market - real estate market.

in the delivery stage, if the real estate project management type of property (commercial or office, etc.), developers can choose to operate their own rental properties, etc.. In this process, if necessary corporate self-financing, the developer may choose to use the same type of property lending business, development loans, this model is similar to the financing model, can be classified as real estate developers, bank credit.

In addition, second-hand housing market, as the owners of the financing needs, there are also real estate as collateral for financing. So, the banks involved by way of mortgage to the real estate market - second-hand housing market. Can be seen,red wing motorcycle boot, though the bank is not directly involved in second-hand housing transactions, but a second-hand housing transactions, capital providers.

summarize the above process, the bank through financing in the form of participation in the land market (primary market of real estate), real estate market (real estate secondary market), and second-hand housing market (real estate market), and different stages, with different entities involved in financing real estate market. Overall, the Bank's participation in the real estate market model can be summarized as real estate development credit model, model of individual housing mortgage loans and property mortgage model.

real estate interest rates are not cut off the blood relationship with the bank will only make two more close relatives to get married. Raise the cost of capital, interest rates may not be a tool to reduce prices and may encourage the relationship between banks and real estate market more closely, and this is a departure from the original intention of the policy makers. When interest rates attract more foreign hot money, when domestic interest rates to create more hot money when it is the default, with the goal of our policy the opposite result.
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