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1、...學(xué)年論文題目商業(yè)銀行信貸對(duì)房地產(chǎn)價(jià)格的影響分析學(xué)院經(jīng)濟(jì)學(xué)院專業(yè)金融與風(fēng)險(xiǎn)管理班級(jí)金融1003學(xué)生王艷學(xué)號(hào)20102221281指導(dǎo)教師馮素玲二〇一三年九月十二日......摘要近年來(lái),我國(guó)房地產(chǎn)價(jià)格持續(xù)走高,已經(jīng)成為一個(gè)社會(huì)問(wèn)題。而房地產(chǎn)業(yè)是我國(guó)國(guó)民經(jīng)濟(jì)的支柱產(chǎn)業(yè),房?jī)r(jià)的高低對(duì)其自身及相關(guān)產(chǎn)業(yè)的發(fā)展,金融秩序的穩(wěn)定,經(jīng)濟(jì)的發(fā)展,城市的發(fā)展?fàn)顩r,居民生活水平的提高等都有很大的影響。針對(duì)我國(guó)的房?jī)r(jià)問(wèn)題,我國(guó)政府相繼采取了多種房地產(chǎn)調(diào)控政策來(lái)穩(wěn)定房地產(chǎn)價(jià)格,但是調(diào)整的效果并不理想。與此同時(shí),我們發(fā)現(xiàn)近幾年來(lái)銀
2、行發(fā)放的房地產(chǎn)信貸規(guī)模也呈逐步擴(kuò)張趨勢(shì)。在現(xiàn)代信用經(jīng)濟(jì)社會(huì),房地產(chǎn)開(kāi)發(fā)商利用銀行借貸作為一種融資的手段,提高投資能力,消費(fèi)者通過(guò)貸款提高購(gòu)買能力。房地產(chǎn)業(yè)與銀行業(yè)已經(jīng)形成了共生共榮的互動(dòng)關(guān)系,房地產(chǎn)業(yè)的發(fā)展離不開(kāi)銀行業(yè)的支持,商業(yè)銀行貸款為高速發(fā)展的房地產(chǎn)業(yè)提供了最主要的資金來(lái)源,而房地產(chǎn)信貸則是銀行業(yè)的一項(xiàng)重要內(nèi)容。通過(guò)對(duì)2008-2011年商品房?jī)r(jià)格和商業(yè)銀行房地產(chǎn)信貸額數(shù)據(jù)分析發(fā)現(xiàn),房地產(chǎn)價(jià)格和銀行信貸具有相互促進(jìn)的密切關(guān)系,商業(yè)銀行信貸長(zhǎng)期影響房地產(chǎn)價(jià)格。關(guān)鍵詞:房地產(chǎn)價(jià)格;商業(yè)銀行信貸;數(shù)據(jù)分析..
3、....ABSTRACTInrecentyears,China'srealestatepricesrising,hasbecomeasocialproblem.Andtherealestateindustryisthepillarindustryofthenationaleconomy,highandlowpricesonitsown,andthedevelopmentofrelevantindustries,thestabilityofthefinancialorderandeconomicdevelopm
4、ent,thedevelopmentofthecity,peoplelivingstandardrise,hasgreatinfluence.HousingprobleminChina,theChinesegovernmenthavetakenvariousrealestatecontrolpoliciestostabilizerealestateprices,buttheeffectofadjustmentisnotideal.Atthesametime,wefoundthatinrecentyearsis
5、suedbythebankofrealestatecreditalsoshowedatrendofgradualexpansion.Inthemoderneconomicandsocialcredit,realestatedeveloperstousebanklendingasameansoffinancing,improvetheinvestmentability,consumerborrowingtoincreasepurchasingpower.Realestateindustryandthebanki
6、ngindustryhasformedasymbioticco-prosperity,theinteractionbetweenthedevelopmentoftherealestateindustrycan'tdepartfromthesupportofbanking,commercialbankloansforthehigh-speeddevelopmentoftherealestateindustryprovidesthemainsourceoffunds,andrealestatecreditisan
7、importantcontentofthebankingsector.Basedonthecommercialhousingpricesin2008-2011andthecommercialbankrealestatelendingdataanalysisfoundthattherealestatepriceandthebankcredithasacloserelationship,promoteeachotherlongtermeffectsofcommercialbankcreditpropertypri
8、ces.Keywords:Realestateprices;Commercialbankcredit;Thedataanalysis......目錄摘要IABSTRACTII一、前言1二、我國(guó)房地產(chǎn)信貸的現(xiàn)狀分析2(一)我國(guó)房地產(chǎn)信貸的發(fā)展21.我國(guó)房地產(chǎn)信貸的特點(diǎn)22.我國(guó)房地產(chǎn)信貸的意義2(二)我國(guó)房地產(chǎn)信貸市場(chǎng)的現(xiàn)狀4(三)信貸增長(zhǎng)下房地產(chǎn)價(jià)格上漲的現(xiàn)狀分析5三、6(一)重慶摩托車產(chǎn)業(yè)內(nèi)部?jī)?yōu)勢(shì)