我国住房按揭贷款政策的差异化调控

发布时间：2018-05-26 22:00

本文选题：住房贷款 + 差异化调控　；参考：《西南金融》2014年05期

【摘要】：住房按揭贷款政策的变动,会影响信贷发放进而影响购房行为,从而有效调控房价。文章首先利用资产价格模型和金融顺周期理论分析了住房信贷变化对房价的影响机理,接着利用我国不同时期的房价涨幅和不同城市房价收入比的具体数据,对比分析了其泡沫差异情况。然后,通过借鉴美国在住房按揭贷款方面的实践经验,提出了我国可实行逆周期的最低首付比例约束、不同城市的差异调控建议,实现在空间、时间和借款人三个层面的差异化调控。最后,结合我国实际情况分析了住房按揭贷款政策差异化调控的可行性。
[Abstract]:The change of housing mortgage loan policy will affect the credit issuance and then the purchase behavior, thus effectively regulating the housing price. Firstly, the paper analyzes the influence mechanism of housing credit change on house price by using asset price model and financial pro-cycle theory, and then uses the specific data of housing price increase in different periods and the ratio of house price to income in different cities in China. The difference of foam is compared and analyzed. Then, by drawing lessons from the practical experience of the United States in housing mortgage loans, this paper puts forward that our country can implement reverse cycle of minimum down payment ratio constraints, different cities of the difference regulation and control proposals, to achieve in space, Time and borrower's three levels of differential regulation. Finally, the paper analyzes the feasibility of housing mortgage policy differentiation regulation combined with the actual situation of our country.
【作者单位】：上海立信会计学院金融学院;中国人民银行福州中心支行;
【基金】：国家社科基金项目“短期资本流入与我国金融安全”(项目编号:10BJY102) 国家自然科学基金项目“银行信贷资源配置对我国经济增长效率和稳定性的影响机理研究”(项目编号:71363017) 上海高校青年教师培养资助计划“上海市银行业结构与信贷资源配置研究”(项目编号:ZZLX13005)阶段性成果
【分类号】：F832.45

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