我國(guó)房?jī)r(jià)上漲的原因及對(duì)策建議 (16)

目      錄

一、我國(guó)房地產(chǎn)概述··················································2

國(guó)內(nèi)房地產(chǎn)研究現(xiàn)狀·············································2

我國(guó)的房地產(chǎn)行業(yè)現(xiàn)狀···········································2

二、我國(guó)房?jī)r(jià)上漲的原因··············································3

（一）市場(chǎng)剛需較大··················································3

（二）土地成本較高··················································3

（三）寬松的信貸政策················································3

三、控制我國(guó)房?jī)r(jià)上漲的對(duì)策建議······································4

（一）促進(jìn)房地產(chǎn)市場(chǎng)充分競(jìng)爭(zhēng)········································4

（二）加快土地市場(chǎng)轉(zhuǎn)型升級(jí)··········································4

（三）創(chuàng)造更加規(guī)范化的金融環(huán)境······································4

（四）加強(qiáng)對(duì)房地產(chǎn)市場(chǎng)的監(jiān)管········································4

四、結(jié)語(yǔ)····························································5

參考文獻(xiàn)····························································5

我國(guó)房地產(chǎn)概述

隨著城鎮(zhèn)化進(jìn)程的加快，房?jī)r(jià)也出現(xiàn)了大幅的上漲，房?jī)r(jià)收入比不斷攀升，而過(guò)高房?jī)r(jià)會(huì)給國(guó)民的生活造成以下幾方面風(fēng)險(xiǎn)，其一是資產(chǎn)價(jià)格的風(fēng)險(xiǎn)，由于房?jī)r(jià)上漲造成暴利帶動(dòng)更多行業(yè)的價(jià)格發(fā)生上漲，進(jìn)而導(dǎo)致了實(shí)體經(jīng)濟(jì)泡沫風(fēng)險(xiǎn);其二，金融風(fēng)險(xiǎn)。房地產(chǎn)行業(yè)的蓬勃發(fā)展和金融銀行業(yè)信貸的支持有著密不可分的關(guān)系，同時(shí)，銀行業(yè)金融風(fēng)險(xiǎn)也不斷地積累;其三，逆向選擇和道德風(fēng)險(xiǎn)。面對(duì)當(dāng)前過(guò)高的房?jī)r(jià)，已經(jīng)有越來(lái)越多購(gòu)房者需要按揭貸款，而金融機(jī)構(gòu)難以真正辨別借款人信用如何，形成了逆向選擇。在信息不對(duì)稱背景下，就會(huì)出現(xiàn)房?jī)r(jià)急跌導(dǎo)致借款人發(fā)生了逃貸，出現(xiàn)了道德風(fēng)險(xiǎn);其四，社會(huì)風(fēng)險(xiǎn)。不同地區(qū)之間的房?jī)r(jià)存在不同程度的上漲，拉大了地區(qū)間的貧富差距，富人更富，窮人更窮，富人會(huì)進(jìn)一步加大房產(chǎn)投資，而窮人并不能獲得資產(chǎn)溢價(jià)，更會(huì)滋生尋租和腐敗等一系列社會(huì)問(wèn)題。面對(duì)房?jī)r(jià)的不斷上漲，中央連連出臺(tái)各種宏觀調(diào)控政策，然而房?jī)r(jià)卻“越調(diào)越高”。