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1、房地产金融学 国世平,深圳大学国际金融研究所所长、教授博士生导师,国世平教授介绍,深圳大学国际金融研究所所长、教授、博士、博士及博士后导师。国世平教授分别在湘潭大学、武汉大学就读，获经济学硕士、博士学位，1991年1992年度在澳大利亚悉尼大学进行博士后研究。国家级有突出贡献专家、国家发改委顾问、香港官方最高学术机构香港学术评审局专家委员，国家教育部文科专家组专家评审委员，香港大学亚洲研究中心名誉研究员、台湾大学客座教授、美国史丹福大学客座教授、中山大学兼职教授。在海内外发表学术论文500余篇，出版学术著作20多部。兼任五个上市公司独立懂事。,第一章、绪论,一、问题的提出1、房地产在经济中的地
2、位2、房地产在银行中的地位3、房地产对中国居民的重要性,二、房地产需求与供给,1、房地产需求1）投资需求和消费需求2）居住需求和非居住需求3）房地产的生理需求和钢性需求2、房地产的供给1）土地2）资金3）建材,三、房地产的不完全竞争与价格决定,1、土地的垄断决定不完全竞争2、房地产经常在政府部门中寻租3、小的房地产公司往往拿不到土地4、价格常常由垄断决定,四、房地产泡沫与房地产周期,1、房地产非常容易产生泡沫 2、购租比反映泡沫 3、入住率反映泡沫 4、房地产周期,四、房地产泡沫,1、什么叫房地产泡沫？2、房地产泡沫的原因1）对未来预期太好2）土地的价格越来越高3）人们对房子的要求越来越高4）
3、房子最近几年没有跌,3、房地产泡沫的确定,1）房地产的价格2）房地产与人们收入3）房地产与租金比4）房地产与入住率,4、房地产泡沫的表现形式,1）房地产暴涨暴跌2）房地产的投机过度3）房地产的入住率很低4）银行信贷过度移入房地产,五、银行信贷与房地产供求,1、房地产发展离不开银行 2、房地产购买离不开银行 3、房地产利用信贷有很大的杠杆作用 4、房地产对信贷的推动作用 5、信贷对房地产的拉动作用,六、证券市场与房地产,1、房地产公司从资本市场拿钱 2、房地产公司上市 3、资本市场的钱流向房地产 4、资本市场对房地产的推动作用,七、房地产泡沫与金融危机,1、美国次贷危机的原因2、房地产泡沫对金融
4、的冲击3、房地产泡沫的危害4、控制房地产风险,八、房地产可持续发展,1、房地产价格稳定 2、房地产供应稳定 3、房地产需求稳定 4、房地产应该保持居住功能 5、房地产不能成为投机的工具,九、为大的公司提供网络银行服务,1）企业越来越需要网络银行服务2）银行和企业进行网络业务来往3）企业所有网络业务都通过银行,十、为中小企业服务的转变,1、既要安全，又要创新2、创造非同质的竞争3、建立中小企业的数据库4、与政府的中小企业服务中心建立战略同盟,七、2010年的投资选择,1、房地产2、股票市场3、外汇4、存款5、黄金,谢 谢,Analysis from the view of politics,Th
5、e circulation of Asian-money and the establishment of Asian-monetary area are not economic matter only,but also a significant political matter.It requires Asian countries to abandon their self-determination of monetary policies,and deeply concerns the countries economic and political interest.Genera
6、l speaking,the circulation of Asian-money and the establishment of Asian-monetary area face two obstacles in politics.,Analysis from the view of politics,First,Asian countries are lack of necessary coherence in politics.For history reasons,Asian countries are more complex and unstable than European
7、countries in political system,religion,ideology and other matters.Asian countries,in political system,including capitalism and socialism;in religion,existing Buddhism,Taoism,Christianism,and Islamism;and different countries have their unique tradition and culture.Conflict between different cultures
8、happen usually.All these matters seemed to be dependent on monetary unity,but indeed,these matters really bring many obstacles to monetary unity.Furthermore,Asia now faces some sensitive and acute political matters.Such as,the debate for the war bequeaths matter among Japan,China,and Korea.And the d
9、efense and restrain among them;the unity matter between Mainland China and Taiwan;the defenses and suspicion between east-Asian countries and east-ally;and so on.For these matters,the Asian-area cooperation emphasize on informality;emphasize on achieve common cognition.This pattern disagrees with mo
10、netary cooperation.Because monetary unity requires some systems to ensure interest compromise and cooperation.Asian countries must deeper their understanding and communicating;enhance their trust;build the foundation for deeper financial cooperation.,Analysis from the view of politics,Second,a leadi
11、ng country is absent for Asian-monetary area building.The shape of a united monetary system requires necessarily a leading country.The fact that European monetary unity can develop so well as todays depends much on the power and stable Germany and its Mark.Germany plays an extremely important role i
12、n the process of European monetary unity.However,Asia lacks of a country like Germany.Japan as the world second,east-Asia first economic power,possesses the strongest economic strength.But its political position is not suit to its economic position.Japan bequeaths many political antipathies to its n
13、eighbor countries in world war two.Furthermore,Japan makes lots of dissensions with other Asian countries for its attitude to the history,which seriously damages Japan s prestige in Asia.Besides,Japans continuous economic decline and the exchange rate unstable situation,make Japan short of power to
14、take the responsibility of building a united monetary area.Though China obtained big economic progress in recent years,its not powerful enough to be the core of the united monetary area.Therefore,Asia can hardly emerge a leading country to push the Asian monetary unitys development in short time.,An
15、alysis from the view of politics,Hence,from the analysis above,we can learn that at present,the political conditions for the circulation of Asian-money and the establishment of Asian-monetary area are far immature.Asian countries have to make continuous effort to set up a united Asian-monetary syste
16、m.,The strategies adopted by Asian countries nowadays,Although,no matter how economic conditions or political conditions about a series of problems of how to establish a system of Asian uniform monetary nowadays are immature,Asian countries still make some efforts for it.At least,these countries can
17、 do some preparative work that settles a stable foundation for the following cooperation of a uniform monetary system.,The strategies adopted by Asian countries nowadays,Firstly,Asian countries can enforce communications among one another on the base of APEC.By such an equal and mutual benefit and r
18、elative free economic cooperative organization,Asian countries can get more understandings about one another,accelerate co-operations between each other and even can realize a political co-operation and understanding in a so fair and loose environment.Meanwhile,such a co-operation can boost continually local economy on the foundation of mutual aid.And such a co-operation is also very important for following continually embedded both economic and financial co-operation in Asian countries,even for a uniform monetary.,The end,Thank you for your attention,
