中文摘要：

研究目的：构建城市地价均衡模型，从理论和实证层面研究金融发展对城市商业地价和住宅地价的影响作用，为国家地价调控政策的制定提供理论依据。研究方法：岭回归分析。研究结果：人均贷款规模对城市商业和住宅地价具有显著的正向影响且强度基本相同，而人均存款规模只对住宅地价产生影响，但对地价变动的贡献小于贷款规模；金融相关比率对城市地价的影响效应尚不显著；工资水平对地价的影响强度要明显大于贷款规模。研究结论：当前阶段，居民收入水平的增加是地价上涨的主要因素，但金融发展规模特别是贷款规模对城市地价具有显著的影响，因此在金融结构尚未对地价产生明显影响之时，控制货币供应对稳定地价具有重要意义。

英文摘要：

The purpose of this study is to analyze the impact of financial development level on commercial land price and residential land price from both theoretical and empirical perspectives by constructing equilibrium land price model. It also aims to provide reference for making monetary policy. The ridge regression model was employed. Results of ridge regression indicate that the per capital loan scale has a significant positive impact on commercial land price and residential land price with almost equivalent intension. But the per capital deposit scale which only impacts on residential land price has lower contribution to land price than the loan scale. At present, the effect of Financial Interrelation Ratio turned out to be insignificant. We can also see that the marginal effect of wage level is far larger than that of loan scale. The paper concludes that the raising of land price was mainly due to the wage increasing, but financial development scale, especially the loan scale, had also significant effect on land price. So the control of money supply is very important for stabilizing land price when the financial structure has insignificant effect on land price.