作 者: ;
机构地区: 广东农工商职业技术学院财经系
出 处: 《改革与战略》 2010年第3期70-72,共3页
摘 要: 住房的商品属性应是消费品,而非投资品。文章认为住房商品属性的重新定性是房市实现理性发展的基础和保证。而商业银行作为政策传导的枢纽,房贷政策对房市供求的影响是非常大的,因此,商业银行必须遵循市场规律和宏观调控目标,正确把握房贷资金的流向,实现自身行为的理性回归。 House should be the goods for consumption, not for investment. This paper considers that the redefining of house's attribute is the base for housing market's rational development. As the key link, commercial bank's housing mortgage policy will affect the demand and supply balance of housing market strongly. Therefore, commercial bank should be have rationally according to the rules of market and the macro-control target, hold the credit fund flow accurately.
关 键 词: 住房消费需求 住房投资需求 房贷政策 信贷流向
领 域: [经济管理—金融学]