我国房地产泡沫形成的原因及对策分析

改革开放以来,中国的房地产业得到了迅猛的发展。目前,房地产业成为整个社会财富的重要构成,成为推动工业化和城镇化的重要力量,但房地产市场的蓬勃发展与急剧转型,出现了房地产市场泡沫经济现象。基于实证研究结论,通过分析我国房地产发展现状及我国房地产市场泡沫的成因,以典型城市的房地产市场泡沫数据为依托,从银行的角度,针对防范房地产泡沫提出了实行紧缩的房地产信贷政策,调整房地产信贷结构,加强房地产信贷监管等对策和建议。

Analysis on the Causes of Formation of the Real Estate Market Bubble and the Countermeasures

Since the reform and opening up,The Chinese real estate industry has developed rapidly.At present,the real estate industry become the important component of the wealth of the society,and important strength to promote industrialization and urbanization,which bring the vigorous development of the real estate market and sharp transformation,and also the emergence of a real estate market bubble economic phenomenon.The paper based on the empirical research conclusion,through the analysis of the current situation of the development of real estate in our country and the cause of China’s real estate market bubble,based on data from a typical real estate market bubble of the city,form the view of the bank,give some suggestions and countermeasures to guard against real estate bubbles.Including a tightening credit policy,strengthen the supervision of real estate credit strategy and so on.