房地产市场信用危机的制度分析

Institutional analysis of the real estate market credit crisis

中国目前正处于由计划经济向市场经济转型时期,新旧体制的摩擦和各种社会经济矛盾日渐凸显,其中,信用危机尤其是关乎百姓生活的房地产市场中的信用危机已成为中国现阶段备受关注的社会经济问题。从新制度经济学的视角出发对这一现象进行分析,认为中国房地产市场信用危机主要根源于正式制度约束软化、非正式制度约束缺失、制度实施机制不健全等。

Currently, China is being placed in a period transformation from planned economy to market economy, therefore friction of the new-old system and the various social economic contradiction are emerging gradually. Among them, especially credit crisis in real estate market that is import to common people life nearly have become Chinese present social economical question which is paid much attention. This paper mainly carries on the analysis to the phenomenon from view of new institutional economics. It indicates that the basic reason of the credit crisis of Chinese real estate market roots in the soft control of formal institutions, in the scarce control of informal institutions and in the imperfection of institutions implementation mechanism.