从宏观层面建立了包含银行、地产商及消费者在内的住房市场系统模型,重点考虑了信贷对住房市场供需双方的金融支持,构建了住房市场系统的定量分析框架,该框架对于银行主导的住房市场具有一般性。通过中国住房市场的实证分析,证实了模型的有效性。
Considering the credit support for both supply and demand sides and its amplificatory effect on the market activities, a theoretical model contain house buyers, house producers and banks was built up. It provides a qualitative and quantitative framework for residential property market system. The model was proved to be effective after empirical analysis in China.