本文選題：住房購(gòu)買(mǎi)力　切入點(diǎn)：住房支付能力　出處：《江西理工大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著中國(guó)經(jīng)濟(jì)的持續(xù)發(fā)展,市場(chǎng)經(jīng)濟(jì)的不斷完善,人們的生活質(zhì)量正越來(lái)越受到人們的關(guān)注。生活質(zhì)量的一個(gè)最重要的指標(biāo)之一就是居住,所以住房市場(chǎng)的發(fā)展現(xiàn)狀是最受人們關(guān)注的。自開(kāi)始實(shí)施改革,住房貨幣化已經(jīng)經(jīng)歷了多年的歷史,這16年來(lái),作為一種特殊的住房和消費(fèi)商品交易通過(guò)市場(chǎng)定價(jià)和實(shí)現(xiàn)人民的住房需求的方法。在這16年里,中國(guó)的房地產(chǎn)市場(chǎng)得到了空前的發(fā)展,而快速發(fā)展會(huì)帶來(lái)一系列的問(wèn)題.同時(shí)由于住房的特殊性和在人們生活中的必須性導(dǎo)致價(jià)格的敏感性。買(mǎi)方中大部分人認(rèn)為目前住房?jī)r(jià)格過(guò)高超過(guò)購(gòu)買(mǎi)能力,而開(kāi)發(fā)商認(rèn)為自己的定價(jià)合理。而地方政府部門(mén)由于對(duì)房地產(chǎn)業(yè)的依賴對(duì)價(jià)格管控的主觀動(dòng)力不強(qiáng),同時(shí)在實(shí)行保障居民住房政策中也出現(xiàn)了問(wèn)題。目前房?jī)r(jià)是否過(guò)高且超過(guò)居民住房購(gòu)買(mǎi)能力?這已成為社會(huì)各界目前廣受關(guān)注的熱門(mén)話題。 本文以南昌市房地產(chǎn)行業(yè)為例,在總結(jié)了國(guó)內(nèi)外學(xué)者對(duì)房?jī)r(jià)收入比、住房購(gòu)買(mǎi)力等方面研究的基礎(chǔ)上,介紹了房?jī)r(jià)收入比相關(guān)基礎(chǔ)理論,并依靠住房金融政策同時(shí)兼顧貨幣購(gòu)買(mǎi)能力和未來(lái)償付能力分別構(gòu)建了靜態(tài)和動(dòng)態(tài)的住房購(gòu)買(mǎi)力模型。其中住房購(gòu)買(mǎi)力模型分為兩個(gè)層面,一是可承受房?jī)r(jià)收入比區(qū)間的計(jì)算模型；二是房?jī)r(jià)收入比計(jì)算模型。最后以南昌市作為實(shí)證分析對(duì)象時(shí),計(jì)算出不同階層家庭的房?jī)r(jià)收入比后,與計(jì)算出的可承受房?jī)r(jià)收入比區(qū)間對(duì)比,在該區(qū)間內(nèi)證明具有住房購(gòu)買(mǎi)力,超出該區(qū)間證明缺乏購(gòu)買(mǎi)力。 本論文主要由四方面構(gòu)成：1、系統(tǒng)分析住房購(gòu)買(mǎi)力相關(guān)理論以及各項(xiàng)指標(biāo)。2、通過(guò)對(duì)南昌市住房市場(chǎng)概述從宏觀了解研究對(duì)象。3、建立住房購(gòu)買(mǎi)力模型。4、通過(guò)模型帶入南昌市數(shù)據(jù)得出結(jié)論。
[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.
【學(xué)位授予單位】：江西理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F299.23

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