目前,社会上有种观点认为,房价下跌会拖累消费增长,其主要依据就是次贷危机导致美国消费大幅下降。那么,在我国情况也如此吗?笔者认为,由于我国的国情和美国存在很大差别,当国内房价下跌时,收入效应显著大于财富效应,城镇化进程也不会停止,不 At present, there is a view in society that housing prices will drag down the growth of consumption, which is mainly based on the subprime mortgage crisis that led to a sharp drop in U.S. consumption. So, in our case as well? I believe that, as China’s national conditions and the United States there is a big difference, when domestic prices fall, the income effect is significantly greater than the wealth effect, the process of urbanization will not stop, not