房地产金融化对共同富裕的影响评价研究  

Research on the Evaluation of the Impact of Real Estate Financialization on Common Prosperity

作　　者：王桂虎 侯懿芮 王宇 Wang Guihu;Hou Yirui;Wang Yu

机构地区：[1]郑州航空工业管理学院,河南郑州450046 [2]中国社会科学院金融研究所,北京100710

出　　处：《西南金融》2022年第11期17-28,共12页Southwest Finance

基　　金：国家社科基金青年项目(19CSH072);河南省哲学社会科学规划项目(2021BJJ096);河南省社会科学规划决策咨询项目(2022JC59)的资助。

摘　　要：当前,我国一些区域的房地产金融化问题较为严重,“烂尾楼”“停贷潮”等现象频发,严重影响了社会公平和经济发展,也阻碍了共同富裕的推进。本文首先介绍了房地产金融化的内涵性质,阐述了房地产金融化的特点;其次,从社会、企业、居民这三个层面梳理了房地产金融化对共同富裕目标实现的影响机制,并评价了房地产金融化影响共同富裕的效果;最后,借鉴德国、法国、新加坡等国家发展房地产金融的经验,提出治理我国房地产金融化的对策建议。At present,the problem of real estate financialization is relatively serious in some regions of China,and phenomena such as"unfinished buildings"and"loan suspension tide"occur frequently,which have seriously affected social equity and economic development,and also hindered the development of common prosperity.This paper first introduces the connotation and nature of real estate financialization,and expounds the characteristics of real estate financialization.Secondly,this paper combs the impact mechanism of real estate financialization on the realization of common prosperity from three aspects including society,enterprises and residents,and evaluates the effect of real estate financialization on common prosperity.Finally,by learning from the advanced experience of Germany,France,Singapore and other countries in the development of real estate finance,this paper puts forward countermeasures and suggestions to govern China's real estate financialization.

关 键 词：共同富裕 房地产金融 房地产调控 住房租赁 收入分配 家庭资产 财富积累 风险防控 

分 类 号：F124.7[经济管理—世界经济] F830