温州市房地产金融风险的形成及防范机制研究  

Study on the Mechanism of Formation and Prevention of Financial Risk in Real Estate in Wenzhou City

作　　者：杨刚[1,2] 蔡选超 谢永康[2] 

机构地区：[1]浙江农林大学,浙江杭州332600 [2]上海财经大学,上海200433

出　　处：《河南科技学院学报（社会科学版）》2014年第9期5-8,共4页Journal of Henan Institute of Science and Technology

基　　金：国家自然科学基金项目"零利率下限约束下货币政策和财政政策组合研究:理论;实践及对中国的前瞻性政策含义"(71173142);教育部人文社会科学基金项目"房地产业;金融业与制造业风险的交叉传染;联动及演化机制研究:以温州市为例"(14YJC790152);中国博士后科学基金面上项目"房价持续调控下我国房地产金融风险测度与防范机制研究"(2013M531157)

摘　　要：房价下跌、民间借贷崩盘和银行贷款不良率大幅攀升,使温州房地产金融风险空前加剧。温州房地产金融风险根源在于制造业瓶颈,金融制度的不完善起到了推波助澜的作用。只有完善金融制度,促进金融业"以实为主,虚实并进"助推制造业复苏并成功转型升级,才能解决温州市房地产金融困局,防止局部风险演化为全局性危机。With house prices falling continues ,informal lending collapsing and bank non -performing loan rate ris-ing,the real estate financing risks having been increasing sharply in Wenzhou city .Such risks directly caused by our country ’ s financial policies and measures ,but rooted in the developing bottleneck of manufacture .Only to perfect fi-nancial system ,promote financial industry mainly serve the manufacture industry ,so that to promote manufacture in-dustry recovery and successful upgrading , can we resolve the current Wenzhou City real estate financing predica-ment,and then prevent local risk evolutes into an overall and systemic crisis .

关 键 词：温州市 房地产金融风险 贷款担保制度 民间借贷 

分 类 号：F293.3[经济管理—国民经济]