【摘要】：文章基于Granger因果檢驗和三元線性回歸模型,對我國房地產(chǎn)信貸和房地產(chǎn)價格、土地交易價格的關(guān)系進(jìn)行了研究,報告了我國當(dāng)前房地產(chǎn)市場迅猛發(fā)展的現(xiàn)狀,通過實證研究方法,選取1998-2015年我國房地產(chǎn)信貸、房地產(chǎn)銷售價格、土地交易價格的數(shù)據(jù),對我國房地產(chǎn)市場的信貸和價格關(guān)系展開了調(diào)查,研究結(jié)果顯示不同時期內(nèi)我國房地產(chǎn)信貸與價格之間呈現(xiàn)出不一樣的因果關(guān)系。由此提出政策建議,對我國不同收入群體實行相應(yīng)的房地產(chǎn)政策,同時要求銀行提高房地產(chǎn)信貸的風(fēng)險意識,加強(qiáng)信貸管理,加快中小戶型商品房、經(jīng)濟(jì)適用房、廉租房的開發(fā)建設(shè)速度,規(guī)范房地產(chǎn)市場的秩序,以期實現(xiàn)穩(wěn)定我國房價,為決策管理層和投資者提供理論依據(jù)的目標(biāo)。
[Abstract]:Based on Granger causality test and ternary linear regression model, this paper studies the relationship between real estate credit, real estate price and land transaction price in China, and reports the present situation of the rapid development of real estate market in China. Through the empirical research method, this paper selects the data of real estate credit, real estate sales price and land transaction price in China from 1998 to 2015, and investigates the relationship between credit and price in China's real estate market. The results show that there is a different causality between real estate credit and price in different periods. Therefore, some policy suggestions are put forward to implement the corresponding real estate policies for different income groups in our country. At the same time, banks are required to improve the risk awareness of real estate credit, strengthen credit management, and speed up the small and medium-sized commercial housing, comfortable housing. The speed of development and construction of low-rent housing standardizes the order of real estate market in order to achieve the goal of stabilizing house prices in China and providing theoretical basis for decision-making management and investors.
【作者單位】： 遼寧大學(xué)經(jīng)濟(jì)學(xué)院;
【分類號】：F299.23

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