本文選題：保障性住房 + 住房金融　； 參考：《東北財經大學》2013年碩士論文

【摘要】：住房問題是關乎民生的重要問題,因此得到了世界各國的廣泛重視。目前我國正處于城市化加速發(fā)展時期,勞動力快速流動跡象明顯,居民家庭住房的剛性需求與支付能力的不足共同孕育了現階段我國社會普遍關注的住房問題。為此,中央大力推進保障性住房建設,在“十二五”規(guī)劃中計劃新建保障性住房和棚戶區(qū)改造安置住房3600萬套。但與此宏偉目標不相適應的是保障性住房建設資金短缺以及中低收入居民的融資困境：一方面,保障性住房建設資金中大部分將通過社會渠道募集,依靠現有財政性資金撥付和金融機構貸款等融資渠道將無法維系資金供應。另一方面,可供我國中低收入居民購房融資的金融手段無法起到應有的政策性作用。金融支持體系是以金融手段支持經濟主體在特定市場中進行投融資活動的一系列制度安排。通過發(fā)展和完善我國保障性住房金融支持體系是有效緩解我國住房保障問題,增加保障性住房供給和消費的有效途徑。 本文在總結和梳理現有相關文獻基礎上,從保障性住房供給和需求兩個角度出發(fā),通過定性與定量分析、歸納和比較等方法分析論述我國現行保障性住房金融支持體系運行中的不足,并借鑒國外先進經驗提出完善建議。具體內容包括：首先,導論部分提出研究背景、意義和對象,梳理了國內外研究現狀,為論文整體奠定了研究基礎；其次,以定性的方法分別研究和探討了我國現行保障性住房金融支持體系中金融政策、支持機構、金融工具的運行現狀,定量衡量了保障性住房建設和消費環(huán)節(jié)中的融資效果,總結出阻礙其運行的缺陷和問題；再次,通過對國外公共住房金融模式、支持機構設置和金融工具運用的比較研究,為我國提供經驗借鑒；最后,在以上論述結論的基礎上,提出發(fā)展和完善我國保障性住房金融支持體系的對策建議。 本文創(chuàng)新之處在于：第一,從整體角度系統(tǒng)性的對我國保障性住房金融支持體系進行分析和考察,從宏觀角度對其提出方向性的改進意見；第二,論述過程中將對涉及到的住房保障政策、政策性住房金融、住房金融體系等方面的國內外相關研究結論做全面的梳理,為以后的研究起到拾遺補缺的作用：第三,關注政府在保障性住房金融支持體系運行中的角色作用,探索政府管理職能在改進體系運行中的影響。 通過研究,本文得出主要研究結論和建議包括：第一,我國政府在保障性住房金融支持體系運行中沒有充分發(fā)揮政府職能作用。對比國外政府在住房保障制度中的角色作用,我國應一方面加強政府在體系中的引導作用,激勵社會資源投入保障性住房項目運作中,另一方面明確中央及地方政府的角色分工,提高體系的運行效率。第二,針對我國保障性住房金融支持體系中存在的缺陷,應做出相應改善,如建立多元住房金融模式,形成優(yōu)勢互補,增強中低收入居民的住房融資效果；完善住房公積金制度,使之更好的發(fā)揮政策性住房金融效用；建立政策性住房金融機構對居民住房儲金進行收支管理；開辟多種融資渠道,改變現有單一依靠銀行類金融機構貸款模式；引入新型資本市場融資工具,加強資金歸集效果。第三,介于我國住房保障方面法律制度的缺失,有關部門應盡快制定相關法律法規(guī),同時針對現有住房保障項目管理不善亂象加強監(jiān)督管理,確保保障性住房金融體系有序運行。
[Abstract]:Housing problem is an important problem about the livelihood of the people, so it has been widely attached to the world. At present, China is in the period of accelerated urbanization, the rapid movement of labor force is obvious, the rigid demand and the insufficient payment ability of household housing have nurtured the housing problem of the common concern of our society in the present stage. The central government will vigorously promote the construction of affordable housing. In the "12th Five-Year" plan, 36 million sets of newly built housing and shanty towns are planned to be rebuilt. However, the shortage of funds for the construction of affordable housing and the financing difficulties of the middle and low income residents are not compatible with the grand goal. On the one hand, most of the funds for the construction of the affordable housing are funded. The financing channels that will be raised through the social channels, depending on the existing financial funds and financial institutions loans will not be able to maintain the fund supply. On the other hand, the financial means for the financing of the middle and low income residents in our country can not play a due policy role. The financial support system supports the economic subject in a specific city by means of financial means. A series of institutional arrangements for investment and financing activities in the field. Through the development and improvement of the financial support system of China's guaranteed housing is an effective way to effectively alleviate the problem of housing security in China and increase the supply and consumption of affordable housing.
On the basis of summarizing and combing the existing relevant literature, from two angles of the supply and demand of the guarantee housing, this paper analyzes the insufficiency in the operation of the current security housing financial support system in our country through qualitative and quantitative analysis, induction and comparison, and draws on the advanced experience of foreign countries, and puts forward some suggestions. The specific content includes: First, the introduction puts forward the research background, significance and object, combs the research status at home and abroad, and lays the foundation for the whole research. Secondly, it studies and discusses the financial policy in the current security housing financial support system in our country by qualitative method, supporting the mechanism, the current situation of the financial instruments, and quantified the guarantee. The effect of financing in housing construction and consumption is summarized, and the defects and problems that impede its operation are summed up. Thirdly, through the comparative study of the foreign public housing financial model, the comparative study of supporting institutions and the use of financial instruments, we can provide experience for our country. Finally, on the basis of the above conclusions, the development and improvement of our country guarantee are put forward. Countermeasures and suggestions for the financial support system of sexual housing.
The innovation of this article lies in the following aspects: first, the systematic analysis and investigation of the financial support system of China's affordable housing from the overall perspective, the improvement of its direction from the macro point of view, and second, the housing security policy involved in the process, the policy housing finance, the housing financial system and so on, are discussed at home and abroad. The relevant research conclusions are combed in a comprehensive way, which will play a role in the future research. Third, pay attention to the role of the government in the operation of the financial support system of the affordable housing, and explore the influence of the government management function in the improvement of the system operation.
Through the study, the main conclusions and suggestions are as follows: first, the government has not fully played the role of the government in the operation of the financial support system of the affordable housing. Compared with the role of the foreign government in the housing security system, China should strengthen the guiding role of government government in the system and encourage the investment of social resources on the one hand. In the operation of the affordable housing project, on the other hand, the role division of the central and local governments should be clearly defined and the efficiency of the system is improved. Second, in view of the defects in the financial support system of our country's guarantee housing, we should make corresponding improvements, such as establishing a multi housing financial model, forming a complementary advantage and strengthening the housing finance of the middle and low income residents. The system of housing provident fund should be perfected to make it better to give full play to the financial utility of policy housing; to establish a policy housing financial institution to manage the income and expenditure of the housing deposit, to open up a variety of financing channels, to change the existing single bank financial institution loan mode, and to introduce a new capital market financing tool to strengthen the capital. Third, in the absence of the legal system of housing security in China, the relevant departments should formulate relevant laws and regulations as soon as possible, at the same time, to strengthen supervision and management of the existing housing security projects, and to ensure the orderly operation of the guarantee housing financial system.
【學位授予單位】：東北財經大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F299.23;F832

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本文編號：2063322