摘  要：我国房地产行业在国民经济建设中有着重要的作用，国家也将房地产行业作为支柱性行业之一。我国房地产企业发展到现在，也经历过各种各样的问题，其中融资问题是困扰房地产企业发展的关键问题。现在，随着我国政策对房地产市场增加了宏观调控力度，房地产企业的融资也越来越难。在国家的调控下，如何根据市场形势，选择合理的融资渠道，更好的减少融资所带来的风险，是每个房地产企业都需要思考的问题。

　　　本文从房地产企业的融资渠道入手，介绍了五种融资渠道，并分析了每种融资渠道的特点。然后分析了融资渠道存在的风险，主要从银行信贷、政策环境和房地产自身问题三方面进行分析。并就这些风险分析其存在的原因，主要从融资渠道单一、政策环境变化和企业自身能力三个方面阐述。还通过深万科的融资经历为例子，思考其成功的经验带来的启示。最后提出了改善房地产企业融资难的建议。

关键词：房地产行业  融资渠道  风险  建议

ABSTRACT：China's real estate industry plays an important role in the national economy, the state of the real estate industry as one of the pillar industries. Development of real estate enterprises in China to the present, but also experienced a variety of problems, including the problem of financing the key issues that plagued the real estate enterprise development. Now, with China's policy to increase the real estate market macro-control efforts, the financing of the real estate business has become increasingly difficult. In the regulation of the state, according to the market situation, a reasonable choice of financing channels, better to reduce the risks of financing, each real estate companies need to think about.

　　　From the real estate financing channels for enterprises, this paper introduces five financing channels, and analyzed the characteristics of each type of financing channels. And then analyze the risks of financing channels, mainly from the analysis of bank credit, policy environment and real estate issues. Analyze the reasons for its existence, and these risks mainly from the financing channels for a single, three aspects of changes in the policy environment and own capacity. Also by Shenzhen Vanke financing experience as an example, think about the revelations of its successful experience. Also measurements should be taken to improve the real estate enterprise financing channels.

Keywords：Real estate industry；Financing channels；Risks；Suggestions