金融调控政策对房地产市场的影响及对策.doc

金融调控政策对房地产市场的影响及对策 2010房地产金融1003班 马翔 内容摘要 作为国民经济的支柱产业，房地产业的持续、平稳、健康发展对国民经济整体的稳定快速增长和广大人民群众的改善生活条件十分重要。然而，当前房地产业在繁荣的表面下存在着很多隐患。房地产价格的持续攀升、开发商投资热情的过度高涨和商品房供给结构的不合理等问题已经引起了社会的普遍关注和政府的高度重视。针对近年来不断上涨的房价，政府频繁出台了一系列宏观调控政策，以达到对房地产市场的控制目的。本文将从金融调控政策角度入手，首先从理论角度分析金融调控政策，其次结合实例分析金融调控政策如何对房地产市场产生影响，最后分析房地产市场主体面对金融政策调整的对策。 关键词：金融调控政策；货币政策；利率政策；房地产市场；影响；对策 Abstract As the pillar industry of national economy, the sustained, stable, healthy development of the real estate industry for the steady and fast growth of national economy as a whole and the people improve their living conditions is very important.However, the current real estate industry under the prosperous surface there are many hidden dangers.Real estate prices continued to rise, developers investment enthusiasm of excessive high and commercial housing supply structure is not reasonable, such as issue has caused the widespread concern of society and the government attaches great importance to.In view of the rising house prices in recent years, frequent government introduced a series of macro-control policies, in order to achieve control of the real estate market.This article from the perspective of financial regulation and control policy, this paper first analysis from the Angle of the theory of financial regulation policy, secondly combining the example analysis how financial regulatory policy impact on the real estate market, in the final analysis the real estate market main body in the face of financial policy adjustment countermeasures. ?Key words: Financial regulation and control policy; Monetary policy；Interest rate policy；The real estate market；Influence；Countermeasures 目 录 一、金融调控政策及目标 …………………………………………… 1 （一）货币政策 ……………………………………………………… 1 （二）利率政策 ……………………………………………………… 3 二、我国金融调控政策对房地产市场的影响 ………………………… 4 （一）我国历年房地产金融调控政策的回顾 ……………………… 4 （二）货币政策对房地产市场的影响 ……………………………… 7 （三）利率政策对房地产市场的影响 ……………………………… 9 三、房地产公司应对金融政策调整的策略 …………………………11 （一）逐步建立多元化的融资渠道 …………………………………11 （二）构建内部控制与风险管理体系 ………………………………