马克思信用理论视角下银行信贷与房地产泡沫问题分析

Analysis of bank credit and real estate bubble from the perspective of marx's credit theory

通过对全球历史上先后在美国、日本发生的房地产危机以及信贷扩张的考察,结合马克思的信用理论,指出银行信贷扩张不仅是造成房地产泡沫的重要原因,同时在金融危机、经济动荡中也起到了极其重要的作用°通过梳理马克思货币、信用在总生产过程中与经济危机之间的联系和作用机制,对中国当前金融和房地产业的健康发展具有十分重要的意义。

Based on the investigation of the real estate crisis and credit expansion in The United States and Japan in the history of the world,combined with Marx's credit theory,it is pointed out that the bank credit expansion is not only an important cause of the real estate bubble,but also plays an important role in the financial crisis and economic turmoil.It is of great significance to the healthy development of China's current finance and real estate industry by sorting out the relationship and mechanism between Marx's money and credit in the total production process and the economic crisis.