| 温州市房地产金融风险的形成及防范机制研究 |
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| 引用本文： | 杨刚,;蔡选超,;谢永康.温州市房地产金融风险的形成及防范机制研究[J].河南科技学院学报,2014(9):5-8. |
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| 作者姓名： | 杨刚 ;蔡选超 ;谢永康 |
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| 作者单位： | [1]浙江农林大学,浙江杭州332600; [2]上海财经大学,上海200433 |
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| 基金项目： | 国家自然科学基金项目“零利率下限约束下货币政策和财政政策组合研究：理论、实践及对中国的前瞻性政策含义”（71173142）;教育部人文社会科学基金项目“房地产业、金融业与制造业风险的交叉传染、联动及演化机制研究：以温州市为例”（14YJC790152）;中国博士后科学基金面上项目“房价持续调控下我国房地产金融风险测度与防范机制研究”（2013M531157） |
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| 摘 要： | 房价下跌、民间借贷崩盘和银行贷款不良率大幅攀升,使温州房地产金融风险空前加剧。温州房地产金融风险根源在于制造业瓶颈,金融制度的不完善起到了推波助澜的作用。只有完善金融制度,促进金融业"以实为主,虚实并进"助推制造业复苏并成功转型升级,才能解决温州市房地产金融困局,防止局部风险演化为全局性危机。
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| 关 键 词： | 温州市 房地产金融风险 贷款担保制度 民间借贷 |
Study on the Mechanism of Formation and Prevention of Financial Risk in Real Estate in Wenzhou City |
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| Yang Gang;Cai Xuanchao;Xie Yongkang.Study on the Mechanism of Formation and Prevention of Financial Risk in Real Estate in Wenzhou City[J].Journal of Henan Institute of Science and Technology(Natural Science Edition),2014(9):5-8. |
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| Authors: | Yang Gang;Cai Xuanchao;Xie Yongkang |
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| Institution: | Yang Gang, Cai Xuanchao, Xie Yongkang, Yang Gang, Cai Xuanchao, Xie Yongkang ( 1. Zhejiang A＆F University, Hangzhou 332600 ; 2. Shanghai University of Finance and Economics, Shanghai 200433, China) |
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| Abstract: | With house prices falling continues ,informal lending collapsing and bank non -performing loan rate ris-ing,the real estate financing risks having been increasing sharply in Wenzhou city .Such risks directly caused by our country ’ s financial policies and measures ,but rooted in the developing bottleneck of manufacture .Only to perfect fi-nancial system ,promote financial industry mainly serve the manufacture industry ,so that to promote manufacture in-dustry recovery and successful upgrading , can we resolve the current Wenzhou City real estate financing predica-ment,and then prevent local risk evolutes into an overall and systemic crisis . |
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| Keywords: | Wenzhou risk in real estate financing market loan guarantee system informal lending |
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