【摘要】 异质性房地产商、居民以及注重风控的银行等部门会对房地产市场投资与购买等相关的融资渠道产生作用形成信贷配给并影响房地产市场供求均衡。运用动态递归方法构建动态一般均衡模型研究信贷配给对房地产市场供求的动态均衡影响与传导机制,得出信贷配给影响市场短期供求均衡造成价格等波动但不影响长期均衡的结论。此外结合模型观点探讨信贷、土地、住房等政策设计实现对房地产市场供求均衡调控。更多还原

【Abstract】 Heterogeneity real estate developers,residents and bank or non-bank departments that pay attention to risk control,have a role in financing channels of the real estate market supply and demand to form credit rationing,and affect the equilibrium of real estate market supply and demand. The paper uses dynamic recursive method to construct dynamic general equilibrium model that research credit rationing effort on the dynamic equilibrium of real estate market supply and demand as well transmission mechanism,concludes that credit rationing affect the market short-term supply and demand equilibrium price volatility but does not affect the longterm equilibrium conclusion. In addition,based on model points,discusses credit,land,housing and other system design to achieve the real estate market supply and demand equilibrium.更多还原