0浅析中国房地产泡沫经济的现状及其对策

1本科生毕业论文（设计）中文题目浅析中国房地产泡沫经济的现状及其对策英文题目AnalysisoftheCurrentSituationandStrategiesofChina'srealestatebubbleeconomy学生姓名林玉苗学号258008100202学院经济学院专业金融专业指导教师史本叶职称1摘要从1998年6月份上海出台购房抵扣个人所得税政策[1]，到2003年的购房贷款贴息政策，国家在解决我国国民住房方面推出了一系列的经济优惠政策，拉动了住房消费，推动了住房的市场化，但也在无形中开始使房价推向越来越高。接着国家为了抑制房地产投资过热，开展了调控住房供给量和调控需求量等等措施。房地产是我国的支柱产业之一，对国民经济健康运行事关重大，而最近几年房地产市场的火爆也引发了有关房地产泡沫论的争论，对其进行深入分析并提出建议十分必要。传统意义上认为房地产泡沫是指房价高涨，房产投资过热导致产品过剩，市场没有需求，产生一种虚假的繁荣，其显著表现就是空置率变高。根据传统意义的定义来看，就是房价在一个连续过程中陡然涨价，开始价格上升会使人们产生还要涨价的预期，于是又吸引了新的买主或投资者，而这些人一般只是想通过买卖的差额获取利润，而对房屋本身的使用和产生盈利的能力是不感兴趣的。本文通过对中国房地产经济的发展历程，结合日本房地产泡沫经济破灭的教训，分析了我国房地产泡沫经济产生的原因和房地产泡沫经济的危害，在此基础上，从和微观角度提出了防止房地产泡沫的对策与措施，提出优化我国房地产市场结构，促进房地产业健康发展的对策。在宏观经济监管方面，加大金融监管和尽快完善土地税制，在微观操作中对加大地价的监测与调控强化土地资源管理，规范市场主体行为，坚决打击违法行为。关键词：房地产经济泡沫1AbstractFromtheJune1998introductionofthebuyersdeductibleforpersonalincometaxpolicyinsolvingournationalhousingtopurchaseloansdiscountpolicyin2003,thestatelaunchedaseriesofeconomicpreferentialpolicies,boostinghousingconsumption,promoteamarket-orientedhousing,butalsopotentiallystarthousepricespushedhigherandhigher.RealestateisoneofChina'spillarindustries,thestakesforthehealthyoperationofthenationaleconomyinrecentyears,thehotrealestatemarkethasalsoledtoadebateabouttherealestatebubbletheory,itsin-depthanalysisandrecommendationsisnecessary.Thattherealestatebubblerisinghouseprices,realestateinvestmentoverheatingresultedinasurplusofproducts,thereisnodemandinthemarket,resultinginafalseprosperity,itsperformanceissignificantlyhighvacancy.Accordingtothedefinitionofthetraditionalsenseoftheterm,isthepriceinacontinuousprocesssuddenlypricesbeganrisingpricesmakepeopleevenexpectedprices,sohehasattractednewbuyersorinvestors,andthesepeoplegenerallyjustwanttouseofthehouseitselfandtheabilitytogenerateearningsisnotinterestedintradingthedifferencebetweenprofit.ThisarticlethroughthecourseofdevelopmentofChina'srealestateeconomy,combinedwiththelessonsoftheJapaneserealestatebubbleeconomyburst,theanalysisofthecausesofharmtotheeconomyandtherealestatebubbleinChina'srealestatebubbleeconomy,onthisbasis,proposedtopreventtherealestatebubbleandmicroperspectivestrategiesandmeasuresproposedtooptimizethestructureofChina'srealestatemarket,andpromotetherealestateindustryhealthydevelopmentofcountermeasures.Inmacroeconomicregulation,increasedfinancialsupervisionandimprovethelandtaxsystemassoonaspossible,tostrengthenthemanagementoflandresourcesinthemicro-operationtoincreasethemonitoringandregulationofthelandprice,toregulatethebehaviorofmarketplayers,andresolutelycrackdownonillegalactivities.Keywords:RealEstate;Economy;Bubbles1目录一、中国的房地产经济发展历程............................................................................................1（一）房地产的定义.........................................................................................................1（二）房地产在中国的发展历程.....................................................................................11、我国房地产发展历史............................................................................................12、我国房地产企业发展现状....................................................................................23、我国房地产发展趋势............................................................................................2二、房地产泡沫经济出现的原因............................................................................................3（一）泡沫经济.................................................................................................................3（二）中国房地产泡沫经济的产生原因和现状.............................................................41、市场结构不合理....................................................................................................42、市场秩序混乱........................................................................................................43、过度投机................................................................................................................44、隐藏在房地产经济后面的房地产GDP...............................................................5三、日本房地产泡沫经济的启示............................................................................................5（一）日本所经历的房地产泡沫经济.............................................................................5（二）房地产泡沫经济的危害.........................................................................................61、房地产泡沫的存在会抑制实体经济发展............................................................62、房地产泡沫会破坏金融秩序................................................................................63、房地产泡沫破灭导致生产和消费危机................................................................64、房地产泡沫破裂可能引发政治和社会危机........................................................7四、防范中国房地产泡沫的对策及措施................................................................................7（一）加大金融监管力度.................................................................................................7（二）加强对地价的监测与调控.....................................................................................8（三）尽快完善土地税制.................................................................................................8注释..............