居民消费信贷决策的影响因素分析
发布时间：2018-10-08 20:40
【摘要】：个人住房贷款是居民中长期消费性信贷的主要内容。贷款利率水平、通胀率水平、房价水平与中长期居民消费性贷款水平进行的协整检验与G ranger因果分析表明:信贷利率是影响消费性信贷的主要因素,而通货膨胀率上升刺激消费信贷的作用仅仅是相对较为明显,房产价格尽管对消费性信贷具有相关性,但是这种影响是微乎其微的;银行贷款利率、居民消费价格指数与消费性信贷增长之间的影响存在着较为复杂的互动关系。实施"区别对待、有保有压",鼓励合理发展消费信贷;完善住房公积金、建立住宅储蓄银行制度等内容有助于提升宏观信贷调整政策效果。
[Abstract]:Personal housing loan is the main content of medium-and long-term consumer credit. The cointegration test and G ranger causality analysis of loan interest rate, inflation rate, house price level and medium and long-term resident consumption loan level show that credit interest rate is the main factor affecting consumer credit. The effect of rising inflation on consumer credit is only relatively obvious, and the impact of property prices on consumer credit, although relevant, is minimal; interest rates on bank loans, There is a complex interaction between consumer price index and consumer credit growth. The implementation of "differential treatment, there is pressure to retain", encourage the rational development of consumer credit, improve the housing provident fund, the establishment of housing savings bank system and other content will help to improve the macro-credit adjustment policy effect.
【作者单位】： 黑龙江大学求是学刊编辑部;黑龙江大学经济与工商管理学院;
【基金】：国家社会科学基金项目“三期居民消费决策影响因素的微观视角研究”(08CJY042)的阶段性成果
【分类号】：F832.4
[Abstract]:Personal housing loan is the main content of medium-and long-term consumer credit. The cointegration test and G ranger causality analysis of loan interest rate, inflation rate, house price level and medium and long-term resident consumption loan level show that credit interest rate is the main factor affecting consumer credit. The effect of rising inflation on consumer credit is only relatively obvious, and the impact of property prices on consumer credit, although relevant, is minimal; interest rates on bank loans, There is a complex interaction between consumer price index and consumer credit growth. The implementation of "differential treatment, there is pressure to retain", encourage the rational development of consumer credit, improve the housing provident fund, the establishment of housing savings bank system and other content will help to improve the macro-credit adjustment policy effect.
【作者单位】： 黑龙江大学求是学刊编辑部;黑龙江大学经济与工商管理学院;
【基金】：国家社会科学基金项目“三期居民消费决策影响因素的微观视角研究”(08CJY042)的阶段性成果
【分类号】：F832.4
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