银行惜贷对房地产政策的影响统计模型研究——以上海市为例

A Statistical Model Study on the Influence of Banks’ Reluctance to Lend on Real Estate Policies—A Case Study of Shanghai

摘要: 房地产属于资金高度密集产业，行业发展对银行贷款的依赖度较大，而商业银行为应对市场危机开始实行惜贷行为，这对于房地产政策也造成直接影响。本文对银行惜贷行为进行分析，讨论银行惜贷对房地产行业发展及销售模式的影响，并以上海市为例，探讨银行惜贷行为对房地产市场的影响，并建立统计模型，对房地产政策受到的影响进行统计分析，进而根据研究结果提出相应的建议措施。

Abstract: Real estate is a highly capital-intensive industry, the industry development of bank loan dependence is large, and commercial banks in order to deal with the market crisis began to implement the behavior of loan aversion, which has a direct impact on the real estate policy. This paper analyzes the behavior of banks’ reluctance to lend, discusses the influence of banks’ reluctance to lend on the development of the real estate industry and sales mode, and takes Shanghai as an example to discuss the influence of banks’ reluctance to lend on the real estate market, and es-tablishes a statistical model to make a statistical analysis of the impact on the real estate policy, and then puts forward corresponding suggestions and measures according to the research results.