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在中国住房市场快速发展的同时,房价逐渐攀升引起的一系列问题逐渐凸显,近年来政府持续出台政策进行多方位的调控。从属性上讲,住房是兼具消费品和投资品双重属性的特殊商品,通过将住房的这一特点纳入到以效用最大化为决策目标的家庭住房消费函数中,得出的均衡住房消费数量与家庭的财富总水平、未来价格水平正相关,与住房的购置价格负相关,并与住房信贷政策密切相关。因此,以住房双重属性为前提,才能进一步提高住房调控政策的效果,住房金融政策作为最重要的住房政策部分,应该从住房消费行为的微观层面完善相应的作用机制。
In the meantime, with the rapid development of housing market in China, a series of problems caused by the gradual rise in housing prices gradually become apparent. In recent years, the government has continuously introduced policies to conduct multi-directional control. In terms of attributes, housing is a special commodity that combines the dual attributes of consumer goods and investment goods. By incorporating this characteristic of housing into the family housing consumption function, which maximizes the utility, the equilibrium consumption of housing and The overall level of wealth of the family, the future price level is positively correlated with the purchase price of housing is negatively correlated, and with the housing credit policy is closely related. Therefore, to double the property as a prerequisite to further enhance the effectiveness of housing control policies, housing finance policy as the most important part of housing policy, housing consumption behavior should be micro-level to improve the corresponding mechanism of action.