住房贷款模式差异化选择研究--以上海市为例

发布时间：2017-12-26 18:36

本文关键词：住房贷款模式差异化选择研究--以上海市为例　出处：以上海市为例　论文类型：期刊论文

【摘要】：住房贷款是获取购房资金的最主要渠道,贷款类型的差异也会对楼市产生不同的作用。通过构建理论模型,从住房市场的短期情形和长期情形分别对照不同房贷类型所引发的供需及均衡变动,并以上海市为例展开实证分析,最终总结出住房贷款模式的差异化选择方式。研究结果表明:住房商业贷款和住房公积金贷款均能显著促进住房消费,且后者的促进作用更为明显;两类贷款均会对房价产生正向推动作用,但后者的推动作用强于前者。基于此,需要改革与完善我国住房金融体系,鼓励实施差别化的住房融资策略,以此遏制一、二线城市房价过快上涨势头,助力三、四线城市房地产去库存。
[Abstract]:Housing loan is the main channel to obtain the funds for the purchase of the house, and the difference in the type of loan will also have different effects on the property market. By constructing a theoretical model, we compare the supply and demand changes caused by different housing types in the short term and long-term situations of the housing market, and take Shanghai as an example to conduct an empirical analysis. Finally, we conclude the differential choice mode of housing loan mode. The results show that housing loans and housing provident fund loans can significantly promote housing consumption, and the latter plays a more significant role. The two types of loans will have a positive role in promoting housing prices, but the latter's driving role is stronger than that of the former. Based on this, we need to reform and improve China's housing finance system, and encourage differentiated housing financing strategies to curb the rising trend of housing prices in the first and second tier cities, and help three or four lines of urban real estate go stock.
【作者单位】：安徽工业大学商学院;
【基金】：教育部哲学社会科学研究重大课题攻关项目《建立公开规范的住房公积金制度研究》(14JZD028) 国家自然科学基金项目《应用大数据识别和控制住房公积金扩面风险研究》(91646126) 《基于多维度大数据的住房抵押贷款风险管理决策支持研究》(91546113)
【分类号】：F299.23;F832.479
【正文快照】： 一、引言及综述美国次贷危机的爆发距今已近10年,那场“没有硝烟的战争”曾经引发的金融风暴至今仍令人心有余悸。与其说次贷危机源于金融市场,不如更具体地将其归咎于房贷市场。也正因为如此,住房贷款一度成为了各界热议话题。众所周知,房地产市场属于资金密集型市场,不

【相似文献】