浅谈房价增高带来的问题及如何解决中英文

浅谈房价增高带来的问题及如何解决中英文

近几年来，我国房价飞速上涨，居高不下。高房价不仅成为我国的经济焦点，更造成了严重的社会问题，影响了居民的正常生活。中国人素来安土重迁。受传统观念的影响，很多中国居民认为：“拥有一套稳定的住房是安身立命的根本”，不愿意过租房的生活。因而，高房价虽令人望而却步，人们却依旧迎难而上。为此，不少人节衣缩食、省吃俭用，只为买房或者还贷，成为当下热议的群体——“房奴”。高房价所造成的问题日益凸显，亟待我们去探讨和解决。

In recent years, China's house prices rise rapidly, high. High prices become the focus of our country's economy not only , more caused serious social problems, affect the normal life of residents. The Chinese have little inclination to Ann. Influenced by traditional ideas, many Chinese people think: "who owns a stable of housing is the basic" living, don't want to live to rent. Consequently, high price is a forbidding place, people are still going. For this, a lot of people tighten, tighten, just to buy a house or mortgage, become the current hot group - "mortgage slaves". Caused of the growing problem of high housing prices, need us to explore and solve.

一、高房价造成严重的社会问题

A, high housing prices caused serious social problems

1. 挤出效应显著，阻碍产业结构调整

1. The extrusion effect significantly, hinder the adjustment of industrial structure

一方面，房地产业的兴盛影响了市场资源的走向，导致大量资金流入房地产市场。原应用于其他行业的资源，由于投资回报率相对较低等原因，转而流向房地产业，进一步推高了房价。这间接导致了其他行业被弱化，产生挤出效应。另一方面，房地产作为商品具有生活必需品和大宗价格投资品的双重属性，利润高、投资周期不长是房地产业的显著特征，也决定了这一产业决不能作为国家的核心竞争力而存在。房地产市场的长兴不衰，并不是经济健康运行的表现，更有碍于产业结构的调整。

On the one hand, to the prosperity of the real estate industry has affected the market resources, lead to a lot of money into the real estate market. The original used in the

industries of other resources, due to relatively low return on investment, to flow to the real estate industry , further pushing up prices. This led indirectly to other industries weakened, crowding out effect. Real estate as a commodity, on the other hand, has the dual nature of daily necessities and commodity prices investment, high profit, long investment cycle is not is the salient feature of the real estate industry, also determines the industry must not be at the core of national competitiveness. Changxing retaining the real estate market, and is not a sign of economic health, even hinder the adjustment of industrial structure.

2. 财富分配不均，加剧两极分化

2. The uneven distribution of wealth, intensifies polarization

随着我国房地产业的迅猛发展、商品房价格的持续上涨，城乡差别、地区差别、贫富差距也不断扩大。著名经济学家徐滇庆认为，“房价的飞涨产生了一系列的财富转移效应”，“不利于社会公平”，“是扩大差距的一个重要原因”。在此过程中，主要得利者包括房地产开发商、炒房团、地方政府和拥有多套房产的富人等。真正需要改善居住条件的中低收入者根本无法从中获益。研究表明，房价上涨带来的财富转移效应，使得“穷人愈穷，富人愈富”，加剧了两极分化，带来了社会隐患。

With the rapid development of China's real estate industry, commercial housing prices continue to rise, the urban and rural difference, regional difference and the gap between rich and poor is widening. Renowned economist Xu Dianqing thinks, "soaring house prices has produced a series of wealth transfer effect", "detrimental to social fairness", "is an important reason to broaden the gap". Main gainer in the process, including real estate developers, real-estate, local government, and has multiple homes of the rich and so on. Really needs to improve the living conditions of low - and middle-income people cannot benefit from it. Research suggests that transfer of wealth effect of rising home prices, has made "the poor more poor, rich get richer", intensified polarization, has brought the social hidden trouble.

3. 消费需求不足，制约经济转型

3. The insufficient consumer demand, restricting the economic transformation

投资、消费和出口是拉动经济增长的三驾马车。居民消费不足向来是制约我国经济发展的难题，而高房价正是抑制居民消费的主要原因之一。衣食住行是居民的基本生活需求，为了买房或者还贷，广大民众不得不减少除住房以外的其他开支，把大部分积蓄用于购置房产。这同时降低了居民的生活质量。面对出口乏力、投资堪忧的现状，拉动内需变得尤为重要，房价问题严重抑制了居民的消费需求，成为我国经济能否成功转型的关键。

Investment, consumption and exports is the troika pulling economic growth. Shortage of residents' consumption has always been a problem of economic development in our country , and that high prices is one of the main reasons to restrain consumer spending. Food and clothing live line is people's basic needs, in order to buy a house or mortgage, people have to cut back on other other than the housing, the most of the savings to purchase property. It also reduces the resident quality of life. Facing with the situation of weak exports, investment is, stimulating domestic demand is particularly important, house prices curbed the residents' consumption demand, the serious problem of become our country economy whether the key to successful transformation.

二、高房价的抑制对策

Third, inhibition of high house prices

1. 着力缩小贫富差距，逐步改变社会结构

1. Strive to narrow the gap between rich and poor, to gradually change the social structure

橄榄型社会阶层结构（即一个以中产阶级为主体，而上层阶级和下层阶级比例都较小的社会结构）是相对公正、合理、开放的现代化社会阶层结构模型。在这种社会结构中，大多数民众拥有一定水平的经济实力，能够满足基本的生活需求，不易成为高房价滋长的土壤。我国当前不断扩大的地区差异、城乡差异、贫富差距，为房价飞涨创造了条件。因此，政府需着力缩小贫富差距，提高人民的生活水平，努力消除高房价产生的根源。

Featured on social class structure (that is, to a middle class as the main body , while the upper class and the proportion of the lower classes are small social structure) is a relatively fair, reasonable and open modern social class structure model. In this kind

of social structure, most people have a certain level of economic strength, can satisfy the basic needs of life, not easy to become high house prices growing soil. The current widening regional differences, the gap between rich and poor, urban and rural differences, create conditions for soaring house prices. Therefore, the government needs to focus on narrowing the gap between rich and poor, improve people's living standards, to eliminate the root causes of high housing prices.

2. 限制楼市投机行为，抑制不合理购房需求

2. Limit property speculation, curb unreasonable housing demand

随着房价的不断上涨，人们逐渐意识到投资房地产市场可能带来的丰厚利润，并参与到投机商、炒房客的行列当中。针对此类现象，政府应首先倡导合理购房，反对盲目跟风。其次，政府可以采取一定手段限制炒房或者投机性购房。如北京、上海等一线城市颁布的限购令，旨在限制购房，调节市场，抑制房价。

As house prices continue to rise, people gradually realize that to invest in real estate market may bring generous profits, and participate in the speculators, fry tenant among. Aiming at this kind of phenomenon, the government should first advocate reasonable purchase, against blindly follow suit. Second, the government can take some means to limit property speculation or speculative buying. Such as Beijing, Shanghai and other first-tier cities issued restrictions on, designed to limit, regulate the market, rein in property prices.

3. 调整住房供给结构，加大金融监管力度

3. Adjust the housing supply structure, increase the intensity of financial regulation 企业是以盈利为目的经济组织。开发商自然选择获利最多的投资方式，却可能置民众需求于不顾。因而，政府应积极引导开发商选择合适户型，开发中低价位的普通商品房或经济适用房，满足居民实际需求。并履行职责，加大对保障性住房和廉租房的投入力度，让更多居民买到适合自己的住房，买的轻松，住的舒心。

Enterprise is a profit for the purpose of economic organization. Developers gain most investment way , natural selection may ignore the public demand. Therefore, the government should actively guide developers to choose the right model, developing low price of ordinary commercial housing and economy applicable room, meet the

residents' actual demand. And perform their duties, intensify investment in affordable housing and low-rent housing, let more people buy for their own housing, buy easily, live in comfort.

与此同时，政府还应当重视监管、整治与清理，对房地产开发企业土地闲置、改变土地用途和性质、拖延开竣工时间、捂盘惜售等违法违规行为，政府要加大曝光和处罚力度。

Meanwhile, the government should also attach importance to the supervision, regulation and cleaning, to real estate development enterprise land idle, change land USES and properties, delay the contractual deadline, wu contract-signing process violation behavior, the government should intensify exposure and punishment.