基于动态房价收入比的南昌市居民住房购买力研究

发布时间：2018-03-15 04:38

本文选题：住房购买力　切入点：住房支付能力　出处：《江西理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着中国经济的持续发展,市场经济的不断完善,人们的生活质量正越来越受到人们的关注。生活质量的一个最重要的指标之一就是居住,所以住房市场的发展现状是最受人们关注的。自开始实施改革,住房货币化已经经历了多年的历史,这16年来,作为一种特殊的住房和消费商品交易通过市场定价和实现人民的住房需求的方法。在这16年里,中国的房地产市场得到了空前的发展,而快速发展会带来一系列的问题.同时由于住房的特殊性和在人们生活中的必须性导致价格的敏感性。买方中大部分人认为目前住房价格过高超过购买能力,而开发商认为自己的定价合理。而地方政府部门由于对房地产业的依赖对价格管控的主观动力不强,同时在实行保障居民住房政策中也出现了问题。目前房价是否过高且超过居民住房购买能力?这已成为社会各界目前广受关注的热门话题。本文以南昌市房地产行业为例,在总结了国内外学者对房价收入比、住房购买力等方面研究的基础上,介绍了房价收入比相关基础理论,并依靠住房金融政策同时兼顾货币购买能力和未来偿付能力分别构建了静态和动态的住房购买力模型。其中住房购买力模型分为两个层面,一是可承受房价收入比区间的计算模型；二是房价收入比计算模型。最后以南昌市作为实证分析对象时,计算出不同阶层家庭的房价收入比后,与计算出的可承受房价收入比区间对比,在该区间内证明具有住房购买力,超出该区间证明缺乏购买力。本论文主要由四方面构成：1、系统分析住房购买力相关理论以及各项指标。2、通过对南昌市住房市场概述从宏观了解研究对象。3、建立住房购买力模型。4、通过模型带入南昌市数据得出结论。
[Abstract]:With the continuous development of China's economy and the continuous improvement of the market economy, people are paying more and more attention to the quality of life. One of the most important indicators of the quality of life is living. So the development of the housing market is the most concerned. Since the implementation of the reform, housing monetization has gone through many years of history, over the past 16 years, As a special method of housing and consumer goods trading through the market pricing and the realization of people's housing needs. In the past 16 years, China's real estate market has experienced unprecedented development. And rapid development can lead to a series of problems. At the same time, because of the particularity of housing and the necessity in people's lives, the sensitivity of the price. Most of the buyers believe that the current housing prices are too high than they can afford. And developers think their pricing is reasonable. And local government departments have little subjective motivation for price control because of their dependence on real estate. At the same time in the implementation of housing security policy there are also problems. Is the current housing prices too high and more than the ability to buy housing? This has become a hot topic that has received wide attention from all walks of life. Taking the real estate industry of Nanchang as an example, this paper introduces the basic theory of the ratio of house price to income and the purchasing power of housing on the basis of summing up the research of domestic and foreign scholars on the ratio of house price to income and housing purchasing power. Based on the housing finance policy, a static and dynamic housing purchasing power model is constructed, in which the housing purchasing power model is divided into two levels. One is the calculation model of the range of the affordable price-to-income ratio, the other is the calculating model of the price-to-income ratio. Finally, when Nanchang City is taken as the object of empirical analysis, the ratio of house price to income of different classes of households is calculated. Compared with the calculated range of affordable house price income ratio, the housing purchasing power is proved in the range, and the lack of purchasing power is proved beyond the range. This paper mainly consists of four aspects: 1, systematically analyzes the housing purchasing power theory and various indicators. Through the overview of the housing market in Nanchang from the macro understanding of the research object. 3, the housing purchasing power model. 4, through the model belt. Enter Nanchang city data to draw a conclusion.
【学位授予单位】：江西理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23

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