房地产纾困资金使用实践及思考
(1. 青矩工程顾问有限公司,北京 100032;2. 太原市万柏林区住房和城乡建设局,山西 太原 030000)
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摘要:以保交楼专项借款为代表的纾困资金的设立和使用极大程度上缓解了房地产市场资金周转压力,促进了行业的良性循环,有力助推了“保交楼”项目的顺利交付。但由于国内纾困资金相关政策尚处于起步探索阶段,在设立背景和实际运作上都存在特殊性,加之房地产行业面临严峻的经济环境形势,导致房地产纾困资金在使用、运作和监管过程中仍存在一定的潜在风险。笔者以太原市万柏林区房地产纾困的实践案例为基础,基于过往的实务经验,提出一些关于房地产纾困资金使用与运作的思考和建议,以供借鉴和参考。关键词:房地产;风险;保交楼;专项借款;纾困资金Abstract:The establishment and use of relief funds,represented by the special loan for Baojiaolou,have greatly alleviated the pressure on capital turnover in the real estate market,promoted a virtuous cycle in the industry,and effectively facilitated the smooth delivery of "Baojiaolou" projects. However,due to the fact that domestic policies related to relief funds are still in the initial exploration stage,there are particularities in their establishment background and actual operation. In addition,the real estate industry is facing a severe economic environment,which leads to potential risks in the use,operation,and supervision of real estate relief funds. Based on the practical case of real estate relief in Wanbailin District,Taiyuan City,this paper puts forward some thoughts and suggestions on the use and operation of real estate relief funds based on past practical experience,for reference and inspiration.Keywords:real estate;risk;Baojiao Building;special loans;relief funds参考文献[1] 赵玉天.纾困基金运作风险及防范研究[J].中阿科技论坛,2022(6):75-78.[2] 周孝华,王诗意.纾困基金是否具有“造血”扶持之效?——基于民营企业价值的视角[J].财经研究,2022(3):48-63.[3] 吴梓境,张波.纾困基金的运行机理、投资模式与创新路径[J].河北经贸大学学报,2019(3):40-67.[4] 李奇会,周伟忠,高亮.我国房地产业发展中面临的新问题及发展模式创新研究[J].建筑经济,2023(8):5-11.[5] 辛静.深市民营企业纾困方式梳理及纾困效果分析[J].证券市场导报,2019(10):74-78.建筑经济,2025(2):18-22