城乡金融发展非均衡化对房价的影响研究

Study of the Impact of Non-equalization of Urban-Rural Finance Development on Housing Prices

在阐述城乡金融发展非均衡化影响房价的理论基础上,设定动态面板数据模型,以我国35个大中城市1999年～2010年的数据分析城乡金融发展非均衡化对房价的影响。结果发现:在控制城市化水平、城乡固定资产投资差距和城乡居民收入差距的前提下,城乡金融发展的规模、结构和效率与房价成正比,城乡金融非均衡化的水平高房价也高。要抑制当前的房价,不仅需要强化政府的宏观调控,还需要高度重视城乡金融发展非均衡化问题。

On the theoretical basis of non-equalization of urban-rural finance development influencing housing prices,and by constructing dynamic panel data model,this paper uses panel data of 35 cities in China to analyze effects of non-equalization of urban-rural finance development on housing prices.Results show that in the condition of controlling urbanization level,urban-rural fixed assets investment and urban-rural income gap,the scale,structure and efficiency of urban-rural finance development is positively related to housing prices.This paper suggests that it＇s necessary for government to enhance macro-control and pay close attention to non-equalization issue of urban-rural finance development in order to curb current housing price rise.