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Sveriges bostadsmarknad i kris?: En kvalitativ fallstudie över Sveriges rådande situation på bostadsmarknaden och dess påverkan på finansiell stabilitet
Södertörn University, School of Social Sciences.
Södertörn University, School of Social Sciences.
2014 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Syfte: Att skapa förståelse för hur situationen på en marknad kan påverka den finansiella stabiliteten. Med det som grund göra en samlad bedömning om vilka risker som finns på Sveriges bostadsmarknad för att utvärdera hur och om de kan påverka finansiell stabilitet idag.

Metod: För att ge oss en ökad förståelse om hur finansiell instabilitet uppstår på en marknad har vi tagit hjälp av Hyman P. Minskys teoretiska modell “The Financial Instability Hypothesis”. Teorin har vi sedan applicerat på utvalda finansiella kriser för att studera vad som karaktäriserat dem i sin utformning. Vår forskning har bedrivits med kvalitativa intervjuer med olika organisationer som arbetar aktivt för att upprätthålla och se över den finansiella stabiliteten i Sverige.

Slutsats: Vi har identifierat externa och interna faktorer som kan påverka finansiell stabilitet. Oro inom det europeiska bankväsendet utgör största hotet mot finansiell stabilitet idag. Problem kopplade till Sveriges bostadsmarknad utgör inget direkt hot mot finansiell stabilitet, dock visar marknaden tendenser på ineffektivitet. Lågt bostadsbyggande och allmänt lågt utbud matchar inte efterfrågan, detta driver upp priser men även skulder. Priser och skulder kan till stor del förklaras med logiskt ekonomiskt resonemang.

Abstract [en]

Purpose: To create an understanding of how the situation in a market may affect financial stability. With that as a foundation make an overall assessment of the risks that exist on the Swedish housing market to assess whether and how they can affect financial stability today.

Method: In order to obtain increased understanding of how financial instability arises in a market we have used Hyman P. Minskys theoretical model “The Financial Instability Hypothesis”. We have then applied the theory on chosen financial crises in order to study what characterizes them. Our study has been conducted with the help of qualitative interviews with various organizations such as banks and authorities that work to maintain and inspect the financial stability in Sweden.

Conclusion: We have identified external and internal factors that could affect financial stability. Concern related to the European banking sector form the greatest threat to financial stability today. Problems related to the Swedish Real Estate Market constitute no direct threat to financial stability, however market trends shows inefficiency. Low housing and low supply in general do not match demand, this drives up prices, but also debts. Prices and debts can largerly be explained by logical economic reasoning.

Place, publisher, year, edition, pages
2014. , 73 p.
Keyword [en]
The Financial Instability Hypothesis, Real Estate Market, Financial Stability, Fundamental Factors, Financial Crises.
Keyword [sv]
The Financial Instability Hypothesis, Bostadsmarknad, Finansiell Stabilitet, Fundamentala faktorer, Finansiella kriser.
National Category
Business Administration
Identifiers
URN: urn:nbn:se:sh:diva-26195OAI: oai:DiVA.org:sh-26195DiVA: diva2:784806
Subject / course
Business Studies
Uppsok
Technology
Supervisors
Available from: 2015-02-02 Created: 2015-01-30 Last updated: 2015-02-02Bibliographically approved

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CiteExportLink to record
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Citation style
  • apa
  • ieee
  • modern-language-association-8th-edition
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Output format
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