CAJ | 학술논문

房价下跌、民间借贷崩盘和银行贷款不良率大幅攀升，使温州房地产金融风险空前加剧。温州房地产金融风险根源在于制造业瓶颈，金融制度的不完善起到了推波助澜的作用。只有完善金融制度，促进金融业“以实为主，虚实并进”助推制造业复苏并成功转型升级，才能解决温州市房地产金融困局，防止局部风险演化为全局性危机。
방개하질、민간차대붕반화은행대관불량솔대폭반승，사온주방지산금융풍험공전가극。온주방지산금융풍험근원재우제조업병경，금융제도적불완선기도료추파조란적작용。지유완선금융제도，촉진금융업“이실위주，허실병진”조추제조업복소병성공전형승급，재능해결온주시방지산금융곤국，방지국부풍험연화위전국성위궤。
With house prices falling continues ,informal lending collapsing and bank non -performing loan rate ris-ing,the real estate financing risks having been increasing sharply in Wenzhou city .Such risks directly caused by our country ’ s financial policies and measures ,but rooted in the developing bottleneck of manufacture .Only to perfect fi-nancial system ,promote financial industry mainly serve the manufacture industry ,so that to promote manufacture in-dustry recovery and successful upgrading , can we resolve the current Wenzhou City real estate financing predica-ment,and then prevent local risk evolutes into an overall and systemic crisis .