【摘要】：個(gè)人住房貸款是居民中長(zhǎng)期消費(fèi)性信貸的主要內(nèi)容。貸款利率水平、通脹率水平、房?jī)r(jià)水平與中長(zhǎng)期居民消費(fèi)性貸款水平進(jìn)行的協(xié)整檢驗(yàn)與G ranger因果分析表明:信貸利率是影響消費(fèi)性信貸的主要因素,而通貨膨脹率上升刺激消費(fèi)信貸的作用僅僅是相對(duì)較為明顯,房產(chǎn)價(jià)格盡管對(duì)消費(fèi)性信貸具有相關(guān)性,但是這種影響是微乎其微的;銀行貸款利率、居民消費(fèi)價(jià)格指數(shù)與消費(fèi)性信貸增長(zhǎng)之間的影響存在著較為復(fù)雜的互動(dòng)關(guān)系。實(shí)施"區(qū)別對(duì)待、有保有壓",鼓勵(lì)合理發(fā)展消費(fèi)信貸;完善住房公積金、建立住宅儲(chǔ)蓄銀行制度等內(nèi)容有助于提升宏觀信貸調(diào)整政策效果。
[Abstract]:Personal housing loan is the main content of medium-and long-term consumer credit. The cointegration test and G ranger causality analysis of loan interest rate, inflation rate, house price level and medium and long-term resident consumption loan level show that credit interest rate is the main factor affecting consumer credit. The effect of rising inflation on consumer credit is only relatively obvious, and the impact of property prices on consumer credit, although relevant, is minimal; interest rates on bank loans, There is a complex interaction between consumer price index and consumer credit growth. The implementation of "differential treatment, there is pressure to retain", encourage the rational development of consumer credit, improve the housing provident fund, the establishment of housing savings bank system and other content will help to improve the macro-credit adjustment policy effect.
【作者單位】： 黑龍江大學(xué)求是學(xué)刊編輯部;黑龍江大學(xué)經(jīng)濟(jì)與工商管理學(xué)院;
【基金】：國(guó)家社會(huì)科學(xué)基金項(xiàng)目“三期居民消費(fèi)決策影響因素的微觀視角研究”(08CJY042)的階段性成果
【分類號(hào)】：F832.4

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