从紧的利率政策对广州房地产市场的调控作用.doc

摘要:作为改革开放的最前沿，广州经济发展一直处于领先地位，房地产行业的发展也十分突出。广州居民对居住的需求也在不断增长，广州房地产市场将持续发展。但近年广州房地产市场出现了投资规模过大、价格上涨过快、商品房结构不合理以及市场秩序比较混乱等问题。楼价目前已经处于高位运行，脱离了一般购房者的承受能力。

　　　而近年广州房地产业的发展越来越狂热的情况下，银行资金更是成为支撑房地产业的重要力量。在这样的经济背景下，采用从紧的利率政策会给整个房地产市场带来一定的影响。

　　　作为政策调控的主导者——央行，如何根据市场与经济发展的情况，不断调整现有的利率政策，将会是决定广州房地产市场发展的一个重要因素。

　　　本文从政府出台一系列抑制房价政策和央行从紧的利率政策之后，探讨对广州房地产市场的影响，并提出不断的、灵活的调整现有的利率政策建议，使其更好地促进广州房地产市场的稳定与健康发展。

关键词：利率政策, 广州房地产市场,宏观调控

Abstract:As the reform and open policy the forefront, Guangzhou has been in a leading position, the development of the real estate industry is also prominent Guangzhou residents living in the demand is also increasing, Guangzhou the real estate market to continue but in recent years, Guangzhou real estate market appears investment large price rise too fast commodity house unreasonable structure and confusion of market order problems such as the high property prices has been running, from the general home buyers to bear ability.

　　　And in recent years the development of real estate industry of Guangzhou more and more fanaticism, bank funds it is to become an important force to support the real estate industry in such economic background, the interest rate policy from the tight to the real estate market to bring certain effect.

　　　As a policy control leader of the central bank, according to the market and economic development situation, and constantly adjust current interest rate policy, will be decided to Guangzhou of the development of real estate market a important factor

　　　This paper, from the government has issued a series of policy and central bank prevent housing price tight after interest rate policy, this paper discusses the influence of the real estate market to Guangzhou, and puts forward continuously, flexible adjust current interest rate policy Suggestions to better promote the stability of the real estate market in Guangzhou and healthy development.

Key Words：Interest rate policy, Guangzhou real estate market , regulate