我国房价上涨的原因及对策建议 (16)

目      录

一、我国房地产概述··················································2

国内房地产研究现状·············································2

我国的房地产行业现状···········································2

二、我国房价上涨的原因··············································3

（一）市场刚需较大··················································3

（二）土地成本较高··················································3

（三）宽松的信贷政策················································3

三、控制我国房价上涨的对策建议······································4

（一）促进房地产市场充分竞争········································4

（二）加快土地市场转型升级··········································4

（三）创造更加规范化的金融环境······································4

（四）加强对房地产市场的监管········································4

四、结语····························································5

参考文献····························································5

我国房地产概述

随着城镇化进程的加快，房价也出现了大幅的上涨，房价收入比不断攀升，而过高房价会给国民的生活造成以下几方面风险，其一是资产价格的风险，由于房价上涨造成暴利带动更多行业的价格发生上涨，进而导致了实体经济泡沫风险;其二，金融风险。房地产行业的蓬勃发展和金融银行业信贷的支持有着密不可分的关系，同时，银行业金融风险也不断地积累;其三，逆向选择和道德风险。面对当前过高的房价，已经有越来越多购房者需要按揭贷款，而金融机构难以真正辨别借款人信用如何，形成了逆向选择。在信息不对称背景下，就会出现房价急跌导致借款人发生了逃贷，出现了道德风险;其四，社会风险。不同地区之间的房价存在不同程度的上涨，拉大了地区间的贫富差距，富人更富，穷人更穷，富人会进一步加大房产投资，而穷人并不能获得资产溢价，更会滋生寻租和腐败等一系列社会问题。面对房价的不断上涨，中央连连出台各种宏观调控政策，然而房价却“越调越高”。