利率调整对房地产市场的影响分析.docxVIP

利率调整对房地产市场的影响分析摘要：房地产业是我国的支柱产业，房地产市场健康快速的发展为我国经济发展和民生建设起到重要作用。目前，我国房地产市场过热，房地产价格持续增高且增长速度较快，但是房地产繁荣背后存在着诸多问题。利率作为经融货币的一个工具，是国家宏观调控经济的方式，本文在总结国内外相关研究的基础上，结合近期中国人民银行的利率调整，探讨利率调整对我国房地产市场买卖双方的影响，以及对房价的影响和房地产投资规模的影响，提供出我国利率调整和房地产市场存在的问题并且提出相应对策。关键词：利率调整；房地产市场；影响；问题；对策Study on the Influence of Interest Rate Change to Real Estate PriceAbstract: Real estate industry is a pillar industry of our country, the real estate market healthy and rapid development of Chinas economic development and peoples livelihood construction play an important role. At present, our country real estate market overheating, real estate prices are rising and growth rate faster, but there are many problems behind the property boom. Interest rates as the financial currency of a tool, is the national macroeconomic regulation and control of economic way, in this paper, on the basis of summarizing the relevant research both at home and abroad, combined with the recent interest rate adjustment of the peoples bank of China, discusses the interest rate adjustment influence on buyers and sellers of the real estate market in China, as well as the impact on house prices and the impact of real estate investment scale, provide the interest rate adjustment and existing problems of the real estate market of our country and put forward the corresponding countermeasures. Keywords: interest rate; real estate price; influence; problems; countermeasure目录一、房地产市场2二、国内外研究现状2（一）国外研究现状2（二）国内研究现状3三、利率变动对房地产市场的影响4（一）利率调整对购房者的影响4（二）利率调整对供房者的影响4（三）利率调整对房价的影响6四、存在的不足6（一）利率市场化改革不完善6（二）房地产场的运行存在问题7五、对策和建议7（一）促进利率市场化改革7（二）调整我国房地产市场的运行8参考文献：8一、房地产市场/lemma/ShowInnerLink.htm?lemmaId=2876332ss_c=ssc.citiao.link \t _blank房产市场是以房产作为交易对象的流通市场，也是房屋/lemma/ShowInnerLink.htm?lemmaId=204458ss_c=ssc.citiao.link \t _blank商品交换关系的总和[1]。二、国内外研究现状（一）国外研究现状各国学者就利率与房地产市场关系的研究不是很多，但是结论基本是一致的[2]。各个学者都认为利率的变动与房价呈现反向关系，国家可以通过利率政策对房地产的价格进行调控[3]。Arcelus和Meltzer认为由于过高的住宅需要和供给弹性，抵押贷款利率对住宅供求的影响并不是很大。Kau和Keenan指出利率上升导致房地产价格下跌，两者呈反比关系，投资价格和住宅价格会因为利率的升高而同时降低。Agawa