In recent years, price of our country housing moves higher more in persistent adjusting control, as a result develops business at connecting also calm bear: "Now building dish profit margin arrives already high yield the rate that we feel embarrassed. " the society is exceeding to this disappointed. Why can you create such lost game? building city cannot adjusting control? The answer should be negative.
Go up century at the beginning of 90 time, our country has the model of city of building of successful and quick adjusting control, its are tall the edge tool of hold a memorial ceremony for is financial credit. Finance is right the importance of estate, can use " deadly " will convey. Finance is like water, house property is like a boat. Water can carry a boat, boat of Yi Ke Fu. Estate is promoted also finance, decline also finance. Reason is extremely simple, estate is capital concentrated industry, cannot leave financial support. Be opposite in recent years the adjusting control of estate, policy of land of main rely on, taxation, only alone need not financial tool. With respect to function branch character, enjoin 8 ministries and commissions (hair of total bureau of Wu of tax of ministry of construction ministry, land natural resources, arrange of the Ministry of finance, audit, censorial ministry, state, country changes appoint with the country industrial and commercial bureau) have adjusting control, and omit central bank alone only. Such train of thought, lost game is destined. Because left the as tightest as estate concern finance adjusting control, how to command housing price? Direct limitation won'ts do for certain. House price is climbed ceaselessly nowadays litre, the specification has the demand that pays ability too big, supply deficiency. Desire supply and demand is balanced relatively, or increases supply quickly, or restrains demand, both photograph counterpoises, former bigger than latter difficulty, increasing supply accordingly while, main concentration restrains demand, can obtain apparent effect. Nowadays housing demand furnishs relatively, why had presented rapid growth momentum? To sum up in a word: Out of control of housing credit policy, credit extends out of control. Because this wants to stablize the house price that instantly out of control rises, must policy of decisive loan of adjusting control housing, science controls what housing borrows money to put in reasonably.
The room of out of control is borrowed push tall house price
People has not forgotten for certain, go up century the later period in 90 time, market of our country housing once had experienced a freeze-up, although house price is not high at that time, but make inquires of rare still person, because the dweller lacks real purchasing power,this is. The spring that commodity house sells, it is to be in extend after housing borrows money, just come, visible housing sells the destiny of the market to be contacted together with finance at the beginning. Support loan drives housing consumption, economics says consume for credit formula housing, it is the accomplishment of one great merit of credit. But credit formula consumption, also should hold measurable, no matter individual or whole society, if abuse is excessive, cause trend opposite necessarily. Cause for instance be opposite inside a paragraph of period of certain goods pass requirement of serious offence flourishing, rise in price to be met out of control; Formed a batch of indebted all one's life Fang Nu again possibly because of excessive spending; Offer chance again likely to adventurer, the market appears exceeding and queasy. The commodity house market of instantly is in such condition, demonstrative room shifts policy already unreasonable. Credit spending pattern is used break degree, active advantageous position is absent consumer, and the offer person in credit. This kind of credence all borrows a form to offer with the room by financial orgnaization at present. This is cruel also showed cannot evasive problem: Current housing has serious error on loan policy, can develop those who hurt housing industry continuously; Harmed the people already badly at the same time, must adjust immediately.
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