| 房地产信贷、价格及市场供求关系研究 |
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| 引用本文： | 崔光灿.房地产信贷、价格及市场供求关系研究[J].金融论坛,2008(12). |
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| 作者姓名： | 崔光灿 |
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| 作者单位： | 复旦大学经济学院; |
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| 摘 要： | 本文通过对2000年以来上海房地产信贷与房地产市场关系的实证分析,发现房地产信贷对房地产市场的影响主要表现在需求方而不是供应方,房地产信贷增长对房地产价格和房地产销售量增长有明显的促进作用,但对房地产开发投资没有明显的影响。房地产信贷增长主要由银行流动性状况决定,而不取决于房地产市场状况,但房地产市场供需状况会影响到房地产信贷结构变化,在价格上升时个人购房贷款增长明显,在价格下降时开发贷款增长明显。在短期内,银行信贷可作为平稳房地产市场波动的手段之一,但对于长期而言,只有构建完善的住房供应体系才能保持房地产市场的长期稳定。
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| 关 键 词： | 银行信贷 房地产信贷 房地产价格 房地产市场 |
The Relations Among Bank Credit,Price and Demand and Supply on the Real Estate Market |
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| CUI Guang-can.The Relations Among Bank Credit,Price and Demand and Supply on the Real Estate Market[J].Finance Forum,2008(12). |
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| Authors: | CUI Guang-can |
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| Abstract: | This paper empirically studies the relations between real estate market and bank credit in Shanghai since 2000.The results show that the influence of bank credit on real estate market mainly concentrates on the demand but the supply.The growth of bank credit significantly stimulates the increase of price and sales volume of the real estate but has not such influence on investment in real estate development.The credit increase on the real estate is mainly decided by bank liquidity rather than the market situ... |
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| Keywords: | bank credit the real estate credit the real estate price the real estate market |
| 本文献已被 CNKI 等数据库收录！ |
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