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面对全世界不断上涨的房价,政府能做些什么?

What can governments do about rising worldwide property prices?
面对全世界不断上涨的房价,政府能做些什么?
463字
2019-09-26 21:06
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面对全世界不断上涨的房价,政府能做些什么?

If rising property prices are or are becoming a global problem, what can governments do about it?

如果房价不断上涨成为或即将成为一个世界性难题,政府能做些什么呢?

Million dollar question.

这是个价值百万的问题。

There are lots of reasons why policymakers might look at what's happening in the real estate market with a pang of concern.

政策制定者有充足的理由担忧房地产市场正在发生的事情。

If rising prices for ordinary single family homes are making it harder for families to buy and accommodate themselves, that's something that governments could care about.

如果普通住宅价格上涨使得一般家庭面临更大的购房压力乃至于无法安居乐业的话, 那的确是需要政府担忧的事情。

The simple fact is that they could stop a property cycle tomorrow by raising interest rates.

一个简单的事实是,尽管政府可以立刻通过加息的手段终止房产周期。

But that would also probably lead to recessionary impacts as well, you know, really exacerbating what is already slowing economic growth in countries like the UK, parts of western Europe.

但这样做同样会导致经济衰退,从而进一步拖慢英国及西欧部分国家已经相当缓慢的经济增速。

But then there are kind of more abstruse financial reasons to care about rising prices. Is this a speculative bubble?

但还有一些更深奥的金融原因。这是投机泡沫吗?

Will prices suddenly fall at some point in the future in a way that puts the stability of the banking system at risk?

在未来某个时刻,房价会突然下跌,从而给银行系统的稳定性带来危机吗?

There probably is a global solution, but it's not one that has much to do with real estate.

也许存在某种全球方案,但与房地产关系不大。

It's one that tries to make banks and financial institutions safe, even if it's possible for investors to lose lots of money by betting on real property.

该方案的目的是保证银行及金融机构的安全,即使会导致押注房地产的投资者损失惨重。

Quite a few governments have introduced taxes on high-end properties, or taxes aimed to deter purely investment purchases or to deter people from having multiple homes.

已有相当多的政府开征高端房产税,或针对纯投资目的购房人群征税,或调控一人拥有多套房产的情况。

And it has really sort of squelched quite a few of the high-end markets. We've seen real declines over the past couple of years.

这些政策确实在一定程度上压制了高端房地产市场。过去几年中我们感受到了市场降温。

One of the things that's happening in New York right now is there's a glut of available property at the luxury end.

目前,纽约面临的问题之一是,高端房地产市场供过于求。

Developers built too many luxury apartments and they didn't buy enough affordable housing.

开发商建造了太多高端房产,而经济适用房供应不足。

Partly because obviously they can make a lot more money if they sell luxury housing than if they sell mid-market properties.

显然,部分原因是,相较于中端房产,高端房产能带来更多收益。

The right solution might be just to try and build more houses.?

也许解决方案就是建造更多房子。

That's it. They just need more homes. Sorry. We need more homes.

没错。他们需要建造更多房子。不,是我们需要更多房子。

Extra supply kind of will limit price increases like nothing else.

额外供给会限制价格上涨。

The extremely high house prices in cities like London mean that it's not affordable to live in the city for the people that the city really needs to be working there in order to function.

一些城市,例如伦敦的超高房价,意味着那些对城市正常运转起至关重要作用的人群无力支付在城市居住的费用。

Key workers like nurses, but there's also people with sort of less obvious jobs but who really still keep the whole system working, like people who work in Pret a Manger and cleaners, and just these kind of armies of people that enable others to get on with their lives.

例如:护士。还有一些也许不那么起眼,但同样为城市系统做出了巨大贡献的人,例如普雷特公司的雇员或是清洁工,或是保家卫国的军人们。

If they can't live in the city, then the whole kind of ecosystem of it is under threat.

如果他们无法在城市里安心居住,那么整个城市的生态系统都将面临威胁。

So while we can debate at huge length whether the market or the government is to blame, there's certainly a failure happening there that really needs to be addressed.

因此,尽管我们可以就“市场还是政府该对此事负责”这一议题长期自由辩论,但我们的确面临着一个需要被解决掉的问题。

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