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[{"key": "dc.contributor.author", "value": "Taskinen, Lauri", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2013-08-15T09:58:38Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2013-08-15T09:58:38Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2013", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.other", "value": "oai:jykdok.linneanet.fi:1277809", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/41980", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Ty\u00f6ss\u00e4 selvitet\u00e4\u00e4n, kuinka rahoituskiihdytin toimii, eli kuinka muutokset luottomarkkinaolosuhteissa voimistavat sek\u00e4 talouden nousu- ett\u00e4 laskusuhdannetta. Keskeist\u00e4 on se, ett\u00e4 pankkien luotonluonti ja muiden rahoittajien lainananto on suhdanteiden suuntaista. T\u00e4m\u00e4 taas johtuu siit\u00e4, ett\u00e4 lainanhakijoiden vakuusarvot ja lainakapasiteetti muuttuvat suhdanteiden suuntaisesti, lainanhakijoiden ulkoisen rahoituksen hinta riippuu k\u00e4\u00e4nteisesti heid\u00e4n nettovarallisuudestaan ja pankkien sek\u00e4 muiden rahoittajien taseet paranevat (heikkenev\u00e4t) noususuhdanteessa (laskusuhdanteessa).\n Rahoituskiihdytinvaikutuksia testataan Suomessa asuntomarkkinoilla aikav\u00e4lill\u00e4 1990:1-2012:3 tarkastelemalla, onko asuntojen reaaliarvoilla vaikutuksia reaaliseen talouskasvuun ja kotitalouksien reaaliseen luottom\u00e4\u00e4r\u00e4\u00e4n, ja onko muuttujien v\u00e4lill\u00e4 palautevaikutuksia. Menetelm\u00e4n\u00e4 k\u00e4ytet\u00e4\u00e4n vektoriautoregressiota (VAR) ja tulokset esitet\u00e4\u00e4n Granger -kausaalisuuden, impulssivasteiden ja varianssihajotelmien avulla. Tulokseksi saadaan, ett\u00e4 1) asuntojen ja omakotitalojen reaaliset hintamuutokset ovat edelt\u00e4neet sek\u00e4 suhdanne- ett\u00e4 luottosykli\u00e4 ajanjaksolla, 2) asunto- ja omakotivarallisuudella on ollut voimakas samansuuntainen vaikutus reaaliseen tuotantoon ja -kotitalouksien luottom\u00e4\u00e4r\u00e4\u00e4n ja 3) reaalituotannolla ja -luottom\u00e4\u00e4r\u00e4ll\u00e4 on ollut kohtalaisia palautevaikutuksia omakotitalojen reaalihintoihin, mutta vain heikkoja palautevaikutuksia asuntohintoihin. Koska kaksisuuntaisesta palautevaikutuksesta on viitteit\u00e4, rahoituskiihdytinmekanismi on toiminut Suomen asuntomarkkinoilla kyseisen\u00e4 ajanjaksona, mutta korkeintaan kohtalaisesti. Vahvistusta saadaan sille, ett\u00e4 vakuuksien arvot rajoittavat sit\u00e4, kuinka paljon kotitalouksille my\u00f6nnet\u00e4\u00e4n luottoja.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Lauri Taskinen (laoltask) on 2013-08-15 09:58:38.130059. Form: Pro gradu -lomake (1 tekij\u00e4) (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/pro-gradu-lomake-1-tekijae). JyX data:", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija@noreply.fi) on 2013-08-15T09:58:38Z\nNo. of bitstreams: 2\nURN:NBN:fi:jyu-201308152159.pdf: 818667 bytes, checksum: eb465098d37811441acad707e0a2f426 (MD5)\nlicense.html: 107 bytes, checksum: a7d86e598caa500b1b433bbb9dc8ef1c (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2013-08-15T09:58:38Z (GMT). No. of bitstreams: 2\nURN:NBN:fi:jyu-201308152159.pdf: 818667 bytes, checksum: eb465098d37811441acad707e0a2f426 (MD5)\nlicense.html: 107 bytes, checksum: a7d86e598caa500b1b433bbb9dc8ef1c (MD5)\n Previous issue date: 2013", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto.", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "rahoituskiihdytin", "language": null, "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Rahoituskiihdyttimen vaikutukset taloussuhdanteisiin Suomessa 1990-2012", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-201308152159", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "language": "en", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Kansantaloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.date.updated", "value": "2013-08-15T09:58:38Z", "language": null, "element": "date", "qualifier": "updated", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": "fi", "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.subject.oppiainekoodi", "value": "2041", "language": null, "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "asunnot", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "hinnat", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "suhdannevaihtelut", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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