住房公积金贷款支持保障性住房建设问题研究

发布时间：2018-03-02 00:09

本文关键词： 住房公积金贷款保障性住房问题解决对策　出处：《湖北工业大学》2017年硕士论文　论文类型：学位论文

【摘要】：借助住房公积金贷款支持保障性住房建设,不仅提高了住房公积金的使用率,还推进了保障性住房建设工作的开展。但住房公积金支持保障性住房建设过程中,存在诸多的现实问题,主要表现在公积金制度与公积金贷款支持保障性住房建设的实践两方面。通过国内外理论研究与实践可知,我国住房公积金贷款支持保障性住房建设应进一步改进,在各项措施全面落实的基础上,我国的住房问题将得到有效的解决,进而利于我国社会的稳定、经济的发展与综合国力的提高。本文在分析国内外文献的基础上,论述了住房公积金理论、保障性住房理论、住房公积金贷款支持保障性住房建设理论等理论基础。分析了我国住房公积金贷款支持保障性住房建设的现状,包括我国住房公积金管理情况,保障性住房建设情况,各大试点城市住房公积金贷款支持保障性住房建设情况,住房公积金贷款支持保障性住房建设的原因,我国住房公积金贷款支持保障性住房建设的必要性与可行性等。分析了我国住房公积金贷款支持保障性住房建设的法律问题、管理问题、回款问题、安全问题、配套政策等问题。通过对先进国家类似住房公积金支持住房保障的实践,研究了我国可以借鉴的各国实践经验。最后提出了我国住房公积金贷款支持保障性住房建设的对策,包括完善法律法规、建立管理机制、加强回款管理、加大风险管理、落实配套政策等。
[Abstract]:The use of loans from the housing provident fund to support the construction of affordable housing not only improves the utilization rate of the housing accumulation fund, but also promotes the development of the construction of affordable housing. But in the process of supporting the construction of the affordable housing, the housing provident fund supports the construction of affordable housing. There are many practical problems, mainly manifested in the practice of provident fund system and provident fund loan supporting the construction of secure housing. Housing accumulation fund loans in China should be further improved to support the construction of affordable housing. On the basis of the comprehensive implementation of various measures, the housing problem in our country will be effectively resolved, thus contributing to the stability of our society. The development of economy and the improvement of comprehensive national strength. Based on the analysis of domestic and foreign literature, this paper discusses the theory of housing accumulation fund and the theory of indemnificatory housing. This paper analyzes the current situation of housing construction supported by housing accumulation fund loan in China, including the management of housing accumulation fund in China, the construction of affordable housing, and so on. Housing provident fund loans to support the construction of affordable housing in major pilot cities, and the reasons for the housing accumulation fund loans to support the construction of affordable housing, The necessity and feasibility of housing accumulation fund loan to support the construction of affordable housing, etc. This paper analyzes the legal problems, management problems, payback issues, safety problems of the housing accumulation fund loan supporting the construction of affordable housing in our country. Through the practice of supporting housing security by similar housing provident funds in advanced countries, this paper studies the practical experiences of other countries that can be used for reference in China. Finally, it puts forward the countermeasures of housing accumulation fund loans in our country to support the construction of affordable housing. It includes perfecting laws and regulations, establishing management mechanism, strengthening payback management, increasing risk management, implementing supporting policies and so on.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.181

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