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论文从对利率的理解和认识及其对房产市场产生的影响展开讨论。首先论述了影响利率变动的主要因素和利率对房产市场的影响渠道,包括对外汇市场的影响,对证券市场的影响,对房产价格的影响及对购房者和开发商的影响;其次,论文以当前利率下调为前提,详细论述了当利率下调时对房产市场产生的有利影响和不利影响,其中,不利影响又包括因利率下降导致房地产市场价格不稳定、房地产市场产生泡沫、通货膨胀甚至是次贷危机。
Papers from the understanding of the interest rate and understanding of the real estate market and its impact on the discussion. Firstly, it discusses the main factors that affect the change of interest rate and the channel of interest rate on the property market, including the impact on the foreign exchange market, the impact on the securities market, the impact on the real estate price and the impact on homebuyers and developers; Secondly, The current interest rate cut is a prerequisite, which discusses in detail the favorable and adverse impacts on the real estate market when the interest rate is lowered. Among them, the adverse effects include instability in the real estate market due to the declining interest rates, the bubble in the real estate market, and even inflation Credit crisis.