Real estate finance refers to a series of financial activities such as fund raising, financing and related financial services through currency circulation and credit channels in the process of real estate development, circulation and consumption. Its basic task is to use a variety of financial means and financial instruments to raise and finance funds, support the development, circulation and consumption of real estate, promote the virtuous circle of funds in the process of real estate reproduction, and ensure the smooth progress of real estate reproduction.
Real estate finance includes policy real estate finance and commercial real estate finance. Policy real estate finance is mainly housing reform finance, which is a series of financial activities related to housing system reform. Real estate in a broad sense is a general term for land and houses, so real estate finance can be further divided into real estate finance and real estate finance.
Real estate finance, also known as land finance, refers to the financing activities around the paid use of land. It can be divided into urban finance and agricultural land finance. Urban land finance refers to financing activities around urban land development, construction and operation, including urban land requisition finance, urban land consolidation finance, urban land transfer and operation finance. Agricultural land finance is a financing activity around the development, production and management of agricultural land, which is also called agricultural finance abroad, mainly including agricultural land expropriation finance, agricultural land improvement finance and agricultural land management finance.
Compared with the two, the former has a higher degree of monetization and loan interest rate, and the loaned funds are easy to recover, and the repayment period is short, and installment repayment is more common; The latter is usually in line with the land policies of various countries. With the support of the government, not for profit, the loan period is long, usually as long as several years, more than ten years or even decades. In China, agricultural finance can be divided into broad sense and narrow sense. Agricultural finance in a broad sense is also called rural finance, including all financial activities related to rural production and operation, such as taking deposits, issuing loans, handling settlement, cash management, rural credit cooperation, etc. Narrow agricultural finance refers to agricultural land management finance related to agricultural production activities.