摘要
住房贷款是获取购房资金的最主要渠道,贷款类型的差异也会对楼市产生不同的作用。通过构建理论模型,从住房市场的短期情形和长期情形分别对照不同房贷类型所引发的供需及均衡变动,并以上海市为例展开实证分析,最终总结出住房贷款模式的差异化选择方式。研究结果表明:住房商业贷款和住房公积金贷款均能显著促进住房消费,且后者的促进作用更为明显;两类贷款均会对房价产生正向推动作用,但后者的推动作用强于前者。基于此,需要改革与完善我国住房金融体系,鼓励实施差别化的住房融资策略,以此遏制一、二线城市房价过快上涨势头,助力三、四线城市房地产去库存。
Housing loan is the most important channel for the purchase of funds, and the difference in the type of loan will have different effects on the property market. By constructing the theoretical model, we construct the move of supply and demand which caused by different types of loans from short -term and long -term situation respectively, and then take Shanghai as an example for empirical analysis. Finally, we summarize the differences of housing loan mode selection methods. The results show th a t： commercial housing loans and housing provident fund loans can significantly promote housing consumption, and the effect of latter is more obvious; the two types of loans will have a positive effect on housing prices, but the role of the latter is better than the former. Based on these, we need to reform and improve our housing finance system, encourage financing strategy to implement differentiated housing, in order to curb the precipitous rise of housing prices in the first and second -tier cities, digest the inventory in third and fourth -tier cities.
出处
《统计与信息论坛》
CSSCI
北大核心
2017年第8期70-77,共8页
Journal of Statistics and Information
基金
教育部哲学社会科学研究重大课题攻关项目<建立公开规范的住房公积金制度研究>(14JZD028)
国家自然科学基金项目<应用大数据识别和控制住房公积金扩面风险研究>(91646126)
<基于多维度大数据的住房抵押贷款风险管理决策支持研究>(91546113)
关键词
住房公积金
商业贷款
住房销售
房价
housing provident fund
housing mortgage loan
housing sales
housing price
