个人住房信贷政策对房地产价格的影响  

The Influence of Individual Housing Credit Policy on Real Estate Price

作　　者：盛宝柱 张巧慧 SHENG Baozhu;ZHANG Qiaohui(School of Economics and Management,Anhui Jianzhu University,Hefei 230601,China)

机构地区：[1]安徽建筑大学经济与管理学院,合肥230601

出　　处：《安阳工学院学报》2022年第1期53-58,共6页Journal of Anyang Institute of Technology

基　　金：安徽省高校人文社科重点研究项目(SK2019A0665)。

摘　　要：文章分析了个人住房信贷政策对房地产价格的影响机制,并选取2006-2019年季度数据,建立向量自回归(VAR)模型,实证研究了个人住房信贷政策对房地产价格的影响。研究发现,房地产价格会随着个人住房信贷政策的调整而有所波动,个人住房信贷政策的扩张会推动房地产价格的上涨,与贷款利率相比,个人按揭贷款规模对房地产价格的影响更加明显。This paper theoretically analyzes the influence mechanism of personal housing credit policies on real estate prices,and selects the data of the quarter from 2006 to 2019 to establish the VAR model to empirically study the influence of personal housing credit policies on real estate prices.The research finds that the real estate price will fluctuate with the adjustment of personal housing credit policy,and the expansion of personal housing credit policy will promote the rise of real estate price.Compared with the loan interest rate,the scale of personal mortgage loan has a more obvious impact on the real estate price.

关 键 词：个人住房信贷 房地产价格 VAR模型 

分 类 号：F293.35[经济管理—国民经济]