居民部门杠杆率的国际比较与启示
发布时间：2018-11-19 18:36
【摘要】：我国居民部门杠杆率水平较低,仍有较大"加杠杆"空间,可通过推动居民举债消费来实现扩内需和债务杠杆在政府、企业和居民部门间的转移,从而缓解经济下行压力和实现宏观债务风险"软着陆"。根据美国和韩国的发展经验,居民部门债务水平与一国的经济增长、金融自由化与金融创新、政府政策激励、房地产市场发展等因素关系密切。借鉴国际经验,未来应多方发力、有的放矢,有序引导居民举债消费,鼓励和推动消费金融创新,促进新消费热点培育与消费金融创新相结合,构建住房政策性金融体系,发展住房抵押贷款证券化。
[Abstract]:The level of leverage in the resident sector in China is relatively low, and there is still more room for "additional leverage", which can promote the transfer of domestic demand and debt leverage between the government, enterprises and the resident sector by promoting residents' borrowing and consumption. So as to ease the downward pressure on the economy and achieve a macro-debt risk "soft landing." According to the development experience of the United States and South Korea, the level of resident sector debt is closely related to a country's economic growth, financial liberalization and financial innovation, government policy incentives, real estate market development and other factors. Draw lessons from international experience, in the future, we should try our best to guide the residents to borrow money, encourage and promote the innovation of consumption finance, promote the combination of new consumption hot spots and consumer finance innovation, and construct the housing policy finance system. Development of securitization of housing mortgage loans.
【作者单位】： 国家信息中心经济预测部;
【分类号】：F126.1
本文编号：2343087
[Abstract]:The level of leverage in the resident sector in China is relatively low, and there is still more room for "additional leverage", which can promote the transfer of domestic demand and debt leverage between the government, enterprises and the resident sector by promoting residents' borrowing and consumption. So as to ease the downward pressure on the economy and achieve a macro-debt risk "soft landing." According to the development experience of the United States and South Korea, the level of resident sector debt is closely related to a country's economic growth, financial liberalization and financial innovation, government policy incentives, real estate market development and other factors. Draw lessons from international experience, in the future, we should try our best to guide the residents to borrow money, encourage and promote the innovation of consumption finance, promote the combination of new consumption hot spots and consumer finance innovation, and construct the housing policy finance system. Development of securitization of housing mortgage loans.
【作者单位】： 国家信息中心经济预测部;
【分类号】：F126.1
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