發(fā)布時(shí)間：2018-01-22 09:39

  本文關(guān)鍵詞： 房地產(chǎn)泡沫 評(píng)價(jià)指標(biāo) 成因 對(duì)策　出處：《江西財(cái)經(jīng)大學(xué)》2009年碩士論文　論文類型：學(xué)位論文

【摘要】： 1998年以來,隨著住房制度改革的有力推進(jìn),我國(guó)房地產(chǎn)進(jìn)入新的一輪景氣周期,房地產(chǎn)市場(chǎng)發(fā)展迅猛,成為國(guó)民經(jīng)濟(jì)的支柱產(chǎn)業(yè),而房地產(chǎn)市場(chǎng)上的商品房?jī)r(jià)格也一直處在一個(gè)高速上漲的通道之中。為了促進(jìn)房地產(chǎn)業(yè)穩(wěn)定的發(fā)展,中央出臺(tái)了一系列調(diào)控政策來防止房地產(chǎn)泡沫的產(chǎn)生,但房?jī)r(jià)依然一路飆升。盡管在2008年我國(guó)受到了金融危機(jī)的影響,房?jī)r(jià)一度出現(xiàn)小幅下降,但時(shí)隔不久,進(jìn)入2009年,房地產(chǎn)市場(chǎng)又恢復(fù)了以往的火爆場(chǎng)面,“房?jī)r(jià)過高”、“房?jī)r(jià)超過老百姓承受能力”的聲音不絕于耳,高房?jī)r(jià)一時(shí)間成為社會(huì)關(guān)注的焦點(diǎn),房地產(chǎn)市場(chǎng)是否健康,是否存在房地產(chǎn)泡沫也成為社會(huì)各界的熱點(diǎn)話題。 在此背景下,本文首先從房地產(chǎn)及房地產(chǎn)泡沫的相關(guān)原理入手,在借鑒國(guó)內(nèi)外相關(guān)研究成果和經(jīng)驗(yàn)的基礎(chǔ)上,分析房地產(chǎn)泡沫形成的原因及危害。再從我國(guó)房地產(chǎn)市場(chǎng)的投資、供給、需求、交易情況及房地產(chǎn)企業(yè)資金來源等方面分析了我國(guó)房地產(chǎn)市場(chǎng)的運(yùn)行現(xiàn)狀,揭示了我國(guó)當(dāng)前房地產(chǎn)市場(chǎng)存在投資過熱、房?jī)r(jià)過高、空置面積過高、對(duì)銀行依賴性高等現(xiàn)象;進(jìn)而通過理論聯(lián)系實(shí)際的分析,根據(jù)采集的數(shù)據(jù),運(yùn)用國(guó)內(nèi)外常用的指標(biāo),包括房?jī)r(jià)收入比、房?jī)r(jià)與租金的同步率、空置率、房地產(chǎn)貸款增長(zhǎng)與總貸款總額增長(zhǎng)的同步率、真實(shí)需求與投機(jī)需求、房?jī)r(jià)指數(shù)與居民消費(fèi)價(jià)格指數(shù)的相對(duì)變化和房地產(chǎn)業(yè)的利潤(rùn)率等這些指標(biāo)判斷,得出我國(guó)房地產(chǎn)市場(chǎng)存在較大泡沫的結(jié)論;在此基礎(chǔ)上從房地產(chǎn)開發(fā)商、購房者、政府和商業(yè)銀行的多元角度,對(duì)我國(guó)房地產(chǎn)泡沫的產(chǎn)生原因進(jìn)行分析,得出泡沫是由開發(fā)商的逐利行為、政府的推波助瀾、購房者的不理性以及商業(yè)銀行的信貸支持共同促成的結(jié)論;最后在此基礎(chǔ)上提出加強(qiáng)金融監(jiān)管、改革土地出讓制度、建立完善的房地產(chǎn)信息系統(tǒng)、改革房地產(chǎn)稅收制度、拓寬居民投資渠道以及加快保障性住房建設(shè)等政策措施,以抑制我國(guó)房地產(chǎn)泡沫的進(jìn)一步擴(kuò)張。
[Abstract]:Since 1998, with the strong promotion of housing system reform, China's real estate has entered a new cycle of prosperity. The real estate market has developed rapidly and become the pillar industry of the national economy. In order to promote the stable development of real estate, the central government has issued a series of control policies to prevent the emergence of real estate bubble. But house prices are still soaring. Although in 2008 our country was affected by the financial crisis, there was a small decline in house prices, but soon into 2009. The real estate market has resumed the previous hot scenes, "housing prices are too high", "housing prices exceed the affordability of ordinary people," the voice of the ears, high prices for a time become the focus of social attention. Whether the real estate market is healthy, whether there is a real estate bubble has also become a hot topic. In this context, this paper first from the real estate and the real estate bubble related principles, in reference to domestic and foreign related research results and experience on the basis. From the aspects of investment, supply, demand, transaction situation and capital source of real estate enterprises, this paper analyzes the operation status of real estate market in China. It is revealed that the current real estate market in China is overheated, housing prices are too high, vacant areas are too high and dependence on banks is high. Then through the theoretical and practical analysis, according to the collected data, the use of common indicators at home and abroad, including housing income ratio, housing and rent synchronization rate, vacancy rate. The real estate loan growth and total loan growth rate, real demand and speculative demand, the relative changes of house price index and consumer price index and the real estate industry profit margin and so on. The conclusion that there is a large bubble in China's real estate market; On this basis, from the real estate developers, buyers, government and commercial banks of multiple perspectives, the causes of the real estate bubble in China are analyzed, and it is concluded that the bubble is by the developers' profit-seeking behavior. The conclusion of the government, the irrational property buyers and the credit support of commercial banks; Finally, on this basis, it proposes to strengthen financial supervision, reform the land transfer system, establish a perfect real estate information system, and reform the real estate tax system. In order to restrain the further expansion of China's real estate bubble, we should broaden the investment channels of residents and speed up the construction of affordable housing.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2009
【分類號(hào)】：F293.3

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 付博;我國(guó)住宅房地產(chǎn)市場(chǎng)的供求分析[D];沈陽師范大學(xué);2011年

2 許悅;基于風(fēng)險(xiǎn)轉(zhuǎn)移規(guī)制的房地產(chǎn)信貸風(fēng)險(xiǎn)研究[D];南京財(cái)經(jīng)大學(xué);2011年

，

本文編號(hào)：1454330