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房地产市场上房价的短期波动会对自住型需求者以及房地产开发商、投资性需求者、商业银行、地方政府等主体产生相反的影响,而房价虚高背后隐藏的金融风险是难以预估的。本文分析了房地产金融风险的四大传导机制,即土地市场推动机制、垄断定价权推动机制、资本市场推动机制和调控政策推动机制,并由此得出了需加快建设金融风险预警和控制体系等结论。
The short-term fluctuations of housing prices in the real estate market will have the opposite effect on the demand-based demanders, real estate developers, investment demanders, commercial banks and local governments. However, the hidden financial risks behind the hiccups of housing prices are unpredictable . This paper analyzes the four major transmission mechanisms of real estate financial risk, namely, the land market promotion mechanism, the monopoly pricing mechanism promotion mechanism, the capital market promotion mechanism and the regulation and control policy promotion mechanism, and concludes that it is necessary to accelerate the construction of the financial risk early warning and control system in conclusion.