我国保障房融资体系研究

发布时间：2018-01-13 17:38

本文关键词：我国保障房融资体系研究　出处：《河南大学》2013年硕士论文　论文类型：学位论文

【摘要】：现行保障房融资体系资金来源主要有以下几方面:一是财政资金，包括中央和省级政府的专项补助资金以及地方政府年度财政预算资金等；二是部分住房公积金净收益；三是l0%的年度土地出让收益；四是出售出租的保障房收入。按照目前我国经济发展实力，中央政府财政预算不可能全包保障房建设的资金缺口，只能解决部分地区的资金困难。财政管理体制实行分税制改革后，地方政府财政不仅面临城市化压力，同时还要解决医疗保险和养老保险等社会保障问题，依靠地方政府财政解决保障房建设资金缺口作用有限。受土地价格和政府可出让土地面积的影响，地方政府每年的土地出让收益并不十分稳定，不具备可持续性。住房公积金增值收益又缺乏连续性和有效性，需要经过一段时间的积累才能形成一定规模。过多依赖政府财政资金以及比较单一的融资渠道，导致保障房建设资金匮乏，资金来源日益成为制约我国保障房发展的瓶颈因素。因此，在加快推进保障房建设过程中，必须完善保障房融资体系，探索科学合理的盈利模式，切实发挥全社会的力量。本文共分为四部分，第一部分是引言，从分析选题背景和意义开始，然后对目前国内外对保障房融资的相关文献进行综合分析，最后指出创新点和不足之处。第二部分是相关概念和理论依据，明确界定了保障房、保障房融资和保障房融资体系的概念，然后对理论依据公共产品理论、公平和效率理论、市场失灵和政府干预理论进行充分阐述。第三部分是分析现行保障房融资体系存在问题，主要有融资渠道单一、财政体制不科学、支持机制不健全、公积金制度不合理和资金利用不到位五方面。第四部分提出相应的完善我国保障房融资体系的政策建议，包括拓宽融资渠道、发挥财政主导作用、健全融资支持机制、完善住房公积金制度和确保资金得到合理运用等五方面。
[Abstract]:The current indemnificatory apartment financing system has the following main sources of funding: first, the financial funds, including the central and provincial governments' special subsidy funds and local governments' annual budget funds; Second, the net income of some housing accumulation fund; Third, 10% of the annual land transfer income; Fourth, the sale of rental housing income. According to the current strength of our economic development, the central government budget can not be fully covered housing construction funding gap. Only to solve the financial difficulties in some areas. Financial management system to implement tax sharing reform, local government finance not only faces the pressure of urbanization, but also to solve the medical insurance and old-age insurance and other social security problems. Depending on the local government finance to solve the financing gap of indemnificatory apartment construction is limited. Affected by the land price and the land area that the government can sell, the local government's land transfer income is not very stable every year. Lack of sustainability. Housing provident fund value-added income and lack of continuity and effectiveness, it needs a period of time to accumulate to form a certain scale, too dependent on government financial funds and a relatively single financing channel. Therefore, in the process of speeding up the construction of indemnificatory apartment, we must improve the financing system of indemnificatory apartment. Explore a scientific and reasonable profit model, and give full play to the strength of the whole society. This paper is divided into four parts, the first part is the introduction, from the analysis of the background and significance of the topic, and then to the current domestic and foreign literature on indemnificatory apartment financing for a comprehensive analysis. Finally points out the innovation and deficiencies. The second part is the related concepts and theoretical basis, clearly defined indemnificatory apartment, indemnificatory apartment financing and indemnificatory apartment financing system concepts, and then the theory based on the theory of public goods. Fair and efficiency theory, market failure and government intervention theory are fully elaborated. The third part is the analysis of the existing housing financing system problems, the main financing channels are single, the financial system is not scientific. Support mechanism is not perfect, provident fund system is unreasonable and fund utilization is not in place. Part 4th puts forward corresponding policy recommendations to perfect indemnificatory apartment financing system in our country, including widening financing channels. Play a leading role in finance, improve the financing support mechanism, improve the housing provident fund system and ensure the rational use of funds.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.23;F832.4

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