利率变动对我国房地产价格的影响分析
毕业论文关键词： 利率 房地产价格 供给 需求
The Analysis of The Influence of Interest Rate Changes on China’s Real Estate Price
Abstract: At the beginning of the 20th century, our country begin to implement large-scale promotion of housing system reform, the development of the real estate industry and financial industry are gradually get together, and it’s of great significance to stabilize the development of the real estate market and control the real estate prices within a reasonable range Therefore, this article uses the influence of interest rate changes on China's real estate prices as the research object, analyzes the real estate price formation mechanism and influence factors and the impact of interest rates on house prices from the two aspects of supply and demand. On this basis, we review the process of the regulation of housing prices in China and carries out theoretical analysis according to the actual situation, thinking that the impact of the change of interest rate have certain hysteresis and it is small and short, what’s more, the regulation does not achieve the desired effect. To this, this paper selects the quarterly data of house price and interest rate of 2000-2013, using the regression analysis to further carry out the proof, the result of theoretical and empirical is that the impact on housing prices in China are relatively weak, this is mainly due to the time lag, low interest rates sensitivity of the interest rate policy, the low power performance of government regulation and the incomplete competition of real estate market. Aiming at these phenomena, this paper argues that we should raise the influence of interest rates gradually from these five aspects: riching the financing way of the real estate market; improving the sensitivity of the interest rates; strengthening the regulatory functions of our government; establishing a good financial environment and perfecting the operating mechanism of the real estate market.
Key Words：Interest rate Real estate price Supply Demand
目 录
一、引言 1
（一） 选题背景、研究目的及意义 1
（二）文献综述 2
1.国外研究现状 2
2.国内研究现状 2
二、利率与房地产价格关系的分析 4
（一）房价的形成和影响因素 4
1.供需形成房价 4
2.供需影响房价 4
（二）利率变动对房地产市场供需的影响 6
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