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    October 23

    财富之瘤

         2007百富榜中地产富豪占去半壁江山,引人深思……
         市政建设让让地皮迅速升值,地铁沿线房价飙升就是最好例证。中国地产使用的是“香港模式”,政府将70年的使用权卖给开发商,开发商进行地面建设后将房卖出,赚取其中差额。就内地情况而言,各地政府在发展的过程中急需大量资金解决财政问题,开发商拿地看似价高,而实际远不及其实际的价值。市政建设所产生的价值全部体现在高额的房价中,而开发商赚取了市政建设所产生的价值。这也就是为什么2007百富棒中地产富豪占去半壁江山的症结所在。
        地产经济学中定义:房产的价格是房租的贴现值。如果租房的钱用来储蓄,假设利息5%,那么100万一年的利息是5万,如果房租是每年5万,那么房子估价就在100万左右,而中国的实际情况是什么呢?利率在降,房租在涨,显然投资地产比存钱在银行可以加速财富积累,投资的人越多,拿地的价格竞争就愈激烈,房价就会继续上扬。而房价的上涨实际是社会总成本的增加,它会映射到社会生活的各个方面中去。谁都要吃饭,要打车,要买东西吧,而从事餐饮、零售的人背后也有房子的问题,所以说,全国性的物价上涨不止是蓝耳病引发的,而是埋藏在房价问题,股市问题,资源行业问题背后的体制问题。要想实现共同富裕,体制上还真需要大动一番筋骨。
          天下熙熙、皆为利来,天下攘攘、皆为利往。如何将财富之瘤变为财富之福?希望在我的有生之年可以见到成效!

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