한중 주택금융제도와 주택금융수요의 비교연구

Abstract

Thanks to the policy of the government including expansionary fiscal policy, the real estate market of China has grown with great rapidity. As the economic reform has been performed, the government lessens the scale of public finance but increases the scale of finance in the area of housing construction money. Accordingly, the incipient housing finance focuses on the finance of policy for supplying public houses. And then, according to the increase of housing demand, the housing finance grows rapidly in terms of consumer finance. In recent years, the amount of consumer housing finance surpassed that of real estate development loans. But the Chinese government began to restrain loans of real estate for the purpose of lessening the excessive economic boom.