中国房地产市场信用缺失的制度分析

【作者】 陈星彬；

【导师】 王春娟；

【作者基本信息】 东北财经大学 ， 政治经济学， 2007， 硕士

【摘要】 现代市场经济是一种信用经济，其市场交易是建立在信用的基础之上的。市场经济越发达，就越普遍地要求人们诚实守信。中国目前正处于计划经济向市场经济转型时期，新旧体制的摩擦和各种社会经济矛盾日渐凸现，其中，信用缺失已成为中国现阶段倍受人们关注的社会经济问题，其严重性和危害性已经严重影响了经济改革和社会发展，尤其是关乎百姓生活的房地产市场中的信用缺失问题。本文主要从新制度经济学的视角出发对这一现象进行分析。笔者认为：中国房地产市场信用缺失主要根源于正式制度约束软化、非正式制度约束缺失、制度的实施机制不健全。本文运用新制度经济学的相关理论，探寻中国房地产市场信用缺失的根源，力图建立一条通往信用社会的捷径。在第一章中，提出选题的意义、研究思路、研究方法和创新点，主要介绍目前国内外研究的现状；在第二章中，简要探讨了信用的一般理论，主要是新制度经济学相关理论的综述，包括交易费用、产权和制度变迁三个方面；在第三章中，简要介绍了房地产和房地产市场及其分类，主要从信息垄断、隐蔽行为和隐蔽知识、暗箱操作三个方面详细描述中国房地产市场信用缺失的具体表现；在第四章中，主要从制度构成的三要素，包括非正式约束、正式约束和实施机制入手，分析中国房地产市场信用缺失的根源；在第五章中，提出中国房地产市场信用缺失问题的政策建议；在第六章中，是本文的结论，主要是对全文进行了概括和总结。更多还原

【Abstract】 The modern market economy is a kind of credit economy. Market transaction is based on the foundation of the credit. More developed the market economy is, more honesty and faith are requested. Currently China is being placed in a period of transformation from planned economy to market economy, therefore, friction of the new-old system and the various social economic contradiction are emerging gradually. Among them, especially credit crisis in real estate market have become present social economical question in common people life which is paid much attention. This paper mainly carries on the analysis to the phenomenon adopting the perspective of new institutional economics. It indicates that the basic reason of the credit crisis of Chinese real estate market roots in the soft control of formal institutions, in the scarce control of informal institutions and in the imperfection of institutions implementation mechanism.In this paper, the author explores the sources of credit loss in Chinese real estate market with the related theories of new institutional economics. The author tries to build up a shortcut that leads to the credit society. In chapter 1, it introduces the meaning about selection of the subject, the research way, the research method and innovations of this paper, and the present condition in research at home and abroad. In chapter 2, it introduces the general theories of credit, the overview of theories with related institutional economics, including Transaction Costs and Property Rights and Institutional Change. In chapter 3, it introduces the concretive expressive of credit loss in real estate markets. It describes main break from three aspects of monopoly information, concealment behavior and concealment knowledge. In chapter 4, it analyzes the source of the credit loss in Chinese real estate markets from the institutional three constituent elements, including formal constitutions, informal constitutions and implementation mechanism. In chapter 5, it put forward the policy suggestions about the problems of credit loss of the Chinese real estate market. The last part of this paper is conclusion.更多还原