CAJ | 학술논문

文章基于中国住房消费信贷与居民幸福指数相悖的现实矛盾，根据住房消费信贷和幸福指数相关理论，运用问卷查研数据，采用结构方程建模分析方法，对中国居民房贷幸福指数的影响因素及作用机制进行了系统的理论分析与实证研究。其主要结论为首付款、贷款期限、还款方式和未来房贷政策预期四个因素直接或间接影响幸福指数；在四种影响因素的作用下，A类幸福指数分别影响B类和C类幸福指数，C类幸福指数又影响B类幸福指数。由此，政府在房贷政策稳定条件下应制定灵活的贷款方式提高信贷产品的流动性，商业银行应采取自身发展与房贷者幸福指数相统一的措施，消费者必须在提高信贷知识水平的基础上切实做到理性房贷和理性购房。
문장기우중국주방소비신대여거민행복지수상패적현실모순，근거주방소비신대화행복지수상관이론，운용문권사연수거，채용결구방정건모분석방법，대중국거민방대행복지수적영향인소급작용궤제진행료계통적이론분석여실증연구。기주요결론위수부관、대관기한、환관방식화미래방대정책예기사개인소직접혹간접영향행복지수；재사충영향인소적작용하，A류행복지수분별영향B류화C류행복지수，C류행복지수우영향B류행복지수。유차，정부재방대정책은정조건하응제정령활적대관방식제고신대산품적류동성，상업은행응채취자신발전여방대자행복지수상통일적조시，소비자필수재제고신대지식수평적기출상절실주도이성방대화이성구방。
Based on the actual conflict between housing consumption credit and residents＇ happy planet index in China and relevant theories, this paper makes the systematically theoretical and empirical study of the determinants of happy planet index of personal housing consumption credit in China and functioning routes through the questionnaire data and structural equation model. It arrives at the conclusions as follows, firstly, down payment,loan term, repayment method and the expectation of future housing credit policy have direct or indirect effects on happy planet index; under the function of four determinants, A happy planet index affects B and C happy planet indexes, and C happy planet index also affects B happy planet index. Therefore, under stable housing credit policy, the governments should formulate flexible credit ways in order to raise the liquidity of credit products; commercial banks should develop themselves according to residents＇ happy planet index; the consumers should realize rational housing credit and buy houses rationally on the basis of the improvement of credit knowledge.