温州市房地产市场风险与金融市场风险的交叉传染机制研究

发布时间：2018-01-09 06:32

本文关键词：温州市房地产市场风险与金融市场风险的交叉传染机制研究　出处：《税务与经济》2014年05期 　论文类型：期刊论文

【摘要】：近年来温州房价持续下跌使房地产市场风险加剧;温州民间借贷崩盘和银行贷款不良率大幅攀升使金融风险凸显。温州市房地产市场与金融市场之间存在着风险交叉传染的问题,这种交叉传染主要有三种传导渠道,包括信贷传导渠道、利率传导渠道和互保联保的贷款担保渠道,而民间高利贷在风险传染中起到了推波助澜的作用,放大了风险的程度,加快了风险传播的速度。温州问题根源于制造业危机和金融制度缺陷,只有完善金融制度,促进金融业虚实并进助推制造业复苏并成功转型升级,才能解决目前温州市房地产金融困局,防止局部风险演化为全局性、系统性危机。
[Abstract]:In recent years, Wenzhou house prices have continued to fall to aggravate the risk of the real estate market; Wenzhou private lending crash and bank loan failure rate rose sharply to highlight the financial risk. Wenzhou real estate market and financial markets there is a risk cross-contagion problem. There are three kinds of transmission channels, including credit transmission channel, interest rate transmission channel and loan guarantee channel of mutual insurance guarantee, and private usury plays an important role in the risk transmission. It magnifies the degree of risk and accelerates the speed of risk transmission. Wenzhou problem is rooted in the manufacturing crisis and financial system defects, only to improve the financial system. Only by promoting the financial industry to promote the recovery of manufacturing industry and successfully transform and upgrade can we solve the current financial difficulties of Wenzhou real estate and prevent the local risk from evolving into a global and systemic crisis.
【作者单位】：上海财经大学国际工商管理学院;浙江农林大学经管系;上海财经大学研究生院;上海财经大学不动产研究所;
【基金】：国家自然科学基金项目(项目编号:71173142) 教育部人文社会科学研究青年基金项目(项目编号:14YJC790152) 中国博士后科学基金面上项目(项目编号:2013M531157) 浙江省社科联重点项目(项目编号:2013Z59) 浙江农林大学人才项目(项目编号:2034020012) 杭州市哲学社会科学规划常规性立项课题(项目编号:D14YJ08)的阶段性成果
【分类号】：F293.30
【正文快照】： 一、引言与文献回顾始于2005年的人民币持续升值、2008年爆发的美国次贷危机及随后的欧债危机沉重打击了温州制造业;制造业萧条、高息民间借贷盛行、宽松货币政策等因素使大量产业资本、信贷资金和民间高利贷流向高利润高风险的房地产等行业,导致房价泡沫膨胀;部分企业的倒闭

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