房地产价格波动与金融相关的研究摘要随着经济的不断发展以及产业链的不断深化，各行各业的产业关联度都日益提升，房地产行业在 1998 年住房改革之后获得了较快的发展，产业关联度也极高，前向后向带动力极强，为我国国民经济的发展起到了较大的带动作用，但是房地产具有商品属性又具有虚拟的金融属性，故而房地产价格的波动对金融市场的稳定有着较大的影响。本文主要探析房地产价格波动与金融的相关性，文章从相关概念及理论出发，明确房地产价格、金融风险、银行信贷等概念，为后文的研究奠定理论基础；其次分析了房地产价格影响因素及房地产泡沫的测定；再次对金融稳定影响因素及金融风险进行探究；接着通过对日本泡沫经济中房地产价格波动造成的金融危机以及次贷危机中房地产市场与金融危机的关系的介绍，明确房地产价格波动与金融市场的关系；最后对我国房地产价格波动进行探究并指出国外房地产调控的启示，以期促进我国房地产企业及金融市场的良好发展。关键词：房地产；价格波动；金融Research on the Fluctuation of Real Estate Price and FinanceAbstractWith the continuous development of the economy and the continuous deepening of the industrial chain, the industry correlation degree of all walks of life is increasing, the real estate industry in 1998 after the housing reform to obtain a rapid development, industry association is also very high, But the property of real estate has a virtual financial attributes, so the volatility of real estate prices has a greater impact on the stability of the financial market.Therefore, the real estate market has a great impact on the stability of the financial market. This article mainly analyzes the correlation between real estate price fluctuation and finance. The article starts from the relevant concepts and theories, and clarifies the concepts of real estate price, financial risk and bank credit, which lays a theoretical foundation for the later research. Secondly, it analyzes the real estate price influence factor and real estate And t...
