银行信贷与房地产泡沫关系分析.doc

广东工业大学 华立学院 论文题目 银行信贷与房地产泡沫关系 部 经济学部 专 业 经济学 班 级 08经济学8班 学 号 16020808043 学生姓名 梁伟航 指导教师 杨丽 摘??? 要 我国房地产业从20世纪80年代开始兴起，90年代发展壮大，近20年的发展取得了令人瞩目的成就，不仅很快改善了居民的居住质量，而且推动了中国经济的快速增长，已经成为国民经济的基础产业和支柱产业之一。我国从1998年房地产价格不断飙升，房地产投资出现了过热的迹象，而银行的信贷支持则对房地产价格推升居功厥伟，不论是房产开发方面还是个人房贷方面。有鉴于美国次贷危机造成的重大损失，我国金融监管机构加强了对银行信贷和房地产业的监控，已相继收缩银根和地根，收到了初步的成效。 本文从银行信贷政策对房地产业的信贷支持角度出发来研究银行信贷扩张政策与房地产泡沫的内在关系。银行信贷过度支持是导致房地产泡沫的直接原因。虽然房地产泡沫的形成有许多其他因素的影响，从历史上房地产泡沫的形成中我们都可以看出，银行的信贷支持在其中起着非常重要的作用。信贷的过度支持和过度的资金投入到房地产业中造成了房地产的过度供给。引致房地产价格的快速上涨，并形成泡沫。 关键词： 银行信贷；房地产泡沫；对策Abstract China’s real estate industry has made remarkable achievements in nearly 20years,form the beginning in the 1980s to the development and expansion in the 1990s.which is quickly improved the living quality of the residents and promoted China’s rapid economic growth. Now China’s real estate has become the prices of real estate has increased too fast. The supply structure of real estate is not reasonable and real estate investment has overheated in some cities, which indicate the risk of real estate’s bubble. All this are accompanied by varying degrees of economic and financial crisis. China’s current real estate prices are rising, overheating the signs of investment too much, and the bank’s credit support and real estate prices are inextricably related. In view of the Unite States sub-prime crisis caused to heavy losses, China’s financial institutions strengthens the supervision of the banking and real estate credit monitoring, has been shrinking the money supply and root, has received the preliminary results. This article study the relationship of bank credit policies and the real estate bubble and internal mechanism of real estate bubble, from the bank’s credit policy for real estate credit support, in order to establish the early warning indicators based on the support of the real estate and the bank credi