吉林省建设银行开展保障房投资基金业务模式研究

发布时间：2018-02-10 10:05

本文关键词： 吉林省建行保障性住房投资基金　出处：《吉林大学》2012年硕士论文　论文类型：学位论文

【摘要】：2007年8月，国务院出台了《关于解决城市低收入家庭住房困难的若干意见》，开始把“住有所居”这一重大民生工程作为政府工作的重心。2012年3月22日，住建部下发《关于做好2012年城镇保障性安居工程工作的通知》，要求各地对保障房将建立项目库，吸引社会资金建保障房，加大基础设施投入力度，加强分配和质量管理，全面推进城镇保障性安居工程建设。尽管从中央到地方政府都非常重视保障房的建设，但是保障房建设融资难的问题仍是“十二五”期间保障房建设中最突出的核心问题。伴随着我国金融市场的发展，，商业银行正在不断地发挥其资金成本、客户资源、运营网络、对外信誉等综合优势大力开展投资银行业务。因此，本文将保障房建设与建设银行投资银行业务有机结合，提出了由商业银行主导的、整合社会各方融资平台的、创新设立保障房投资基金的可行之路。首先，本文分析了我国保障房制度建设及发展现状，通过对我国保障性住房的种类及范围总结，归纳出我国保障房制度的发展沿革阶段，阐述了我国保障房工程建设的发展现状与存在的问题，提出了缓解我国保障房建设融资困难的思路。然后，结合本文提出的缓解保障房建设融资困难的思路，分析了吉林省建行设立与运作保障房投资基金的可行性。本文从政策环境对股权投资基金的制度保障、市场环境对保障房投资基金的需求保障、法律环境对保障房投资基金的法律保障以及商业银行综合优势对保障房投资基金的综合支撑等四个方面，探讨了吉林省建行设立与运作保障房投资基金的可行性。其次，本文通过对吉林省建行时代富通保障房（棚改类）股权投资基金运作模式的业务实践研究，详实分析了保障房投资基金成立的背景、基金的设立及其运作模式，总结了棚改基金设立和运作过程中存在的问题，并提出了相应的政策建议，通过案例研究，验证了商业银行开展保障房投资基金业务的可行性。最后，本文分析了如何设立公租房与廉租房投资基金模式，通过辨析公租房、公租房与棚户区改造住房之间的异同，提出了公租房与廉租房投资基金的设立模式及基金的投资模式，并进一步阐明了基金的运作方式及各参与方的角色分工。由于廉租房与公租房的产权最终都应该归属于政府或其委托的公共机构，因此无论是基金购买的存量住房还是投资开发的新建住房，未来都应由政府回购，从而实现社会资金的退出。
[Abstract]:In August 2007, the State Council issued some opinions on solving the housing difficulties of low-income families in urban areas, and began to make the major people's livelihood project "living in a house" the focus of the government's work. In March 22nd 2012, The Ministry of Housing and Construction issued a notice on doing a good job in the work of urban security housing projects on 2012, asking all localities to set up a project bank for indemnificatory apartment, attract social funds to build indemnificatory apartment, increase investment in infrastructure, and strengthen distribution and quality control. We will comprehensively promote the construction of affordable housing projects in cities and towns. Although the central and local governments attach great importance to the construction of indemnificatory apartment, the problem of the difficulty in financing the construction of indemnificatory apartment is still the most prominent core issue in the construction of indemnificatory apartment during the 12th Five-Year Plan period. Along with the development of the financial market in China, Commercial banks are constantly exerting their comprehensive advantages such as capital cost, customer resources, operation network, external reputation and so on to develop investment banking business. Therefore, this paper organically combines the construction of indemnificatory apartment with the investment banking business of China Construction Bank. This paper puts forward a feasible way to set up indemnificatory apartment investment fund, which is led by commercial banks and integrated with various financing platforms. First of all, this paper analyzes the system construction and development of indemnificatory apartment in China, summarizes the types and scope of affordable housing in China, and concludes the evolution stage of the system of indemnificatory apartment in China. This paper expounds the present situation and existing problems of indemnificatory apartment project construction in China, and puts forward some ideas to alleviate the financing difficulties in the construction of indemnificatory apartment in China. Then, combined with the ideas proposed in this paper to alleviate the financing difficulties of indemnificatory apartment's construction, this paper analyzes the feasibility of setting up and operating indemnificatory apartment investment fund in Jilin Province Construction Bank. This paper analyzes the institutional guarantee of equity investment fund from the policy environment. The market environment ensures the demand for indemnificatory apartment's investment fund, the legal environment's legal protection for the indemnificatory apartment investment fund, and the comprehensive support of the commercial bank's comprehensive advantage to the indemnificatory apartment investment fund. This paper discusses the feasibility of setting up and operating indemnificatory apartment investment fund in Jilin Construction Bank. Secondly, this paper analyzes the background, the establishment and the operation mode of indemnificatory apartment investment fund by studying the business practice of the operation mode of the investment fund of Fortis indemnificatory apartment in the period of Jilin Province Construction Bank, and analyzes in detail the foundation of the fund, the establishment of the fund and the mode of operation of the fund. This paper summarizes the problems existing in the establishment and operation of the shed reform fund, and puts forward the corresponding policy suggestions. Through the case study, it verifies the feasibility of the commercial bank to carry out indemnificatory apartment's investment fund business. Finally, this paper analyzes how to set up public rental housing and low-rent housing investment fund model, through the analysis of public rental housing, public rental housing and shantytown transformation between the similarities and differences. This paper puts forward the establishment model of public rental housing and low-rent housing investment fund and the investment mode of the fund. And it further clarifies the mode of operation of the Fund and the division of roles among the participants. Since the property rights of low-rent housing and public rental housing should ultimately belong to the government or the public institutions entrusted by them, Therefore, both the stock of housing purchased by the fund and the newly built housing investment should be bought back by the government in the future, so as to realize the withdrawal of social funds.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F293.3;F832.2

【相似文献】