基于切比雪夫多项式预测我国居民杠杆率变化及对我国房地产业发展建议
Prediction of Changes in China’s Resident Leverage Based on Chebyshev Polynomials and Suggestions for the Development of China’s Real Estate Industry

长久以来，大家形成了根深蒂固的印象：与发达国家相比，中国居民杆杆率较低，偿付压力不大，因此居民加杠杆空间很大，房价泡沫增长仍有支撑空间[1]。本文将对我国居民杠杆率进行剖析并通过切比雪夫多项式对未来居民杠杆率进行预测，同时将我国居民杠杆率与其他国家进行对比，以此来探究我国居民杠杆率真实情况并对我国房地产业的发展提出建议。
For a long time, everyone has formed a deep-rooted impression: Compared with developed coun-tries, Chinese residents have lower leverage and less repayment pressure. Therefore, there is a lot of room for residents to increase leverage, and there is still room for housing price bubble growth [1]. This article will analyze China’s residents’ leverage ratio and predict future residents’ leverage ratio through Chebyshev polynomials. At the same time, we will compare our residents’ leverage ratio with other countries to explore the true situation of our residents’ leverage ratio and the real estate industry suggestions for development.