我国个人住房消费信贷的影响因素分析  

Analysis on Influence Factors of Individual Housing Consumption Loan in China

作　　者：孔煜[1] 魏锋[2] 张燕[1] 

机构地区：[1]贵州大学经济学院,贵州贵阳550025 [2]重庆大学贸易与行政学院,重庆400030

出　　处：《建筑经济》2011年第10期81-83,共3页Construction Economy

基　　金：贵州省教育厅高校人文社会科学研究项目(10JD17);贵州省优秀科技教育人才省长资金项目(黔省专合字(2010)2号);贵州大学"211工程"三期重点学科建设项目民族区域发展学学科招标课题(211BMZQ064)

摘　　要：在已有侧重于定性分析影响我国个人住房消费信贷因素的研究成果基础上,从实证角度考察我国个人住房消费信贷与几个主要影响因素之间的关系,指出城镇居民可支配收入、商品房平均房价和贷款利率对我国个人住房消费信贷都有显著的影响,并提出发展我国个人住房消费信贷的建议。Based on the research focus on qualitative analysis about the influence factors of individual housing consumption loan in China,investigates the relationship between individual housing consumption loan and some major influence factors empirically.The results show that disposable income of urban residents,housing prices and loan rate are indeed powerful predictors of individual housing consumption loan in China,and puts forward some suggestions to promote the efficiency of individual housing consumption loan in China.

关 键 词：住房信贷 影响因素 实证分析 发展建议 

分 类 号：F407.9[经济管理—产业经济]