本文選題：政策性住宅金融 + 模式比較　； 參考：《國際經(jīng)濟評論》2016年02期

【摘要】：住房事關(guān)民生福祉、國家經(jīng)濟發(fā)展與社會和諧穩(wěn)定。政策性住宅金融是政府為解決國民住房問題做出的一種特殊金融安排。發(fā)達(dá)經(jīng)濟體運行模式多借助市場力量,微觀主體多為商業(yè)金融機構(gòu),切入點多從需求入手,動員的社會資本遠(yuǎn)大于強制性儲蓄。中國住房公積金曾對住房福利分配向市場化的轉(zhuǎn)變產(chǎn)生積極促進(jìn)作用,也存在覆蓋面窄、普惠性差、用途單一、配貸機制不健全加劇分配不公等問題。長遠(yuǎn)發(fā)展看,去行政化可將住房公積金打造成真正的政策性住宅金融機構(gòu),但其運行模式不一定是國家住房銀行,可以是混合所有制住房儲蓄銀行或住房基金。
[Abstract]:Housing is related to the well-being of the people, national economic development and social harmony and stability. Policy housing finance is a special financial arrangement made by the government to solve the problem of national housing. The mode of operation of developed economy is mostly with the help of market forces, and the microcosmic main body is mostly commercial financial institution, the starting point is mostly from demand, and the social capital mobilized is far larger than the compulsory savings. China's housing provident fund has played an active role in promoting the change of housing welfare distribution to marketization, and there are some problems such as narrow coverage, poor inclusiveness, single use, imperfect loan allocation mechanism, and so on. In the long run, deadministration can make the housing accumulation fund into a real policy housing financial institution, but its operating mode is not necessarily the national housing bank, but the mixed ownership housing savings bank or housing fund.
【作者單位】： 中國社會科學(xué)院經(jīng)濟研究所;
【基金】：中國社會科學(xué)院創(chuàng)新工程項目“再分配與公共福利的政治經(jīng)濟學(xué)”研究成果之一
【分類號】：F299.23;F832.479
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本文編號：1917955