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本文研究了我国资产价格波动和银行信贷之间的关系,发现信贷对房地产市场的冲击要比对股市的冲击大,未来我国的金融风险集中在房地产市场。信贷政策需要保持平稳的信贷投放,才能减少资产价格波动的幅度以实现金融稳定。
This paper studies the relationship between asset price volatility and bank credit in our country. It is found that the impact of credit on the real estate market is greater than the impact on the stock market. In the future, our country’s financial risk is concentrated in the real estate market. Credit policies need to maintain steady credit flows to reduce the magnitude of asset price volatility in order to achieve financial stability.