住宅金融周期性风险的政府干预化解:原理、机制与对策  

Governmental Interference of Residential Financial Periodical Risk Principle、Mechanism and Countermeasures

作　　者：周湘平[1] 王于栋[1] 

机构地区：[1]厦门大学金融系,厦门361005

出　　处：《财经理论与实践》2004年第1期27-31,共5页The Theory and Practice of Finance and Economics

摘　　要：住宅金融周期性风险是与宏观经济周期密切联系的一种系统风险。它对各国的金融乃至经济发展产生了极大的负面影响。本文从住宅金融链条涉及的三方主体对住宅金融周期性风险展开分析 ,研究了政府干预化解住宅金融风险的原理与机制 ,并在此基础上提出了政府干预的政策建议。The periodical risk of residential finance is a kind of systemic risk, it has close contaction with macroscopical economic cycle, and has produced great negative effects on finance and even the whole economic development of various countries. Three subjects are involved in the chain of residential finance, from this angle, this paper analyzes this kind of risk and studies the principle and mechanism of dissolving it by means of government interference, on this basis this paper further puts forward the policy suggestion of government interference.

关 键 词：住宅金融 周期性风险 政府干预 经济增长 经济波动 住宅消费者 信用风险 投机风险 

分 类 号：F830.572[经济管理—金融学]