国民幸福感下房价收入比问题研究

The Research on Housing Price-to-Income Ratio under the National Happiness

本文在系统思想下研究最优房价收入比问题。主要通过分析房价、收入、利息之间关系,在保证国民幸福感最大化的基础之上,通过近十年的数据对最优房价收入比函数进行估计,然后对当前的房价收入比和贷款结构的合理性进行讨论,并探讨在最优国民幸福感下的当前房价收入比和贷款结构与国家房地产调控政策的搭配关系,在最后得出两个有益的结论。

This paper mainly studied the Housing Price-to-Income Ratio in systems thought. This article analyzed the relationship among the House price, income and interest, and estimated the optimal Housing Price-to-Income Ratio function assurance on the basis of national happiness maximization by nearly a decade＇s data, and discussed the current Housing Price-to-Income Ratio and loan structure and explored the suitable mix policies about the loan structure and national real estate control policies under the optimal happiness maximization, and got two useful conclusions.