完善我国住房金融制度问题研究
发布时间：2018-10-08 18:50
【摘要】：在社会发展日新月异的大背景下，人的四大基本需求“衣食住行”当中，“住”的问题依然是困扰我国城镇居民的首要问题。因此，花大力气解决住房问题已经是我国政策目标中的极其重要的一部分。对于住房问题，笔者从住房金融制度入手，经过分析，提出相关的政策建议。 文章共分为五个部分,其中第二部分分析住房金融制度的历史发展状况,第三部分分析制度发展现状,第四部分分析对国外住房金融制度并进行借鉴,第五部分提出政策建议。 文章的分析方法包括规范研究和实证研究相结合方法、归纳演绎分析方法以及横向比较分析与纵向比较分析相结合的方法。 我国现阶段住房金融制度主要由以住房公积金为主要构成的政策性住房金融制度和以商业银行等为主要构成的商业性住房金融共同形成。在此，，本文通过对制度方面存在的各种不足进行研究总结，并通过汲取其他国家在制度上的优势，根据我国实际情况，提出对我国住房金融制度的政策建议。关于政策性住房金融制度的相关政策从住房公积金的监管、管理以及运营等步骤进行，重点突出了住房公积金制度的保障性和强制性特征；商业性住房金融制度部分主要从立法、监督以及住房抵押贷款证券化制度等方面分析，通过分析，得出合理发展住房金融制度的结论。
[Abstract]:Under the background of the rapid development of society, among the four basic needs of people, the problem of "housing" is still the most important problem for the urban residents in our country. Therefore, great efforts to solve the housing problem has been an extremely important part of our policy objectives. For housing problems, the author from the housing financial system, through analysis, put forward relevant policy recommendations. The article is divided into five parts, the second part analyzes the historical development of housing finance system, the third part analyzes the current situation of housing finance system, the fourth part analyzes the foreign housing finance system and uses it for reference, the fifth part puts forward policy recommendations. The analytical methods of this paper include the combination of normative and empirical research, inductive and deductive analysis, and the combination of horizontal comparative analysis and longitudinal comparative analysis. The present housing finance system of our country is mainly formed by the policy housing finance system which is mainly composed of the housing accumulation fund and the commercial housing finance which is mainly composed of the commercial bank and so on. In this paper, through the study of the deficiencies of the system, and by drawing on the advantages of other countries in the system, according to the actual situation of our country, put forward the policy recommendations to our housing finance system. The relevant policies of the policy-oriented housing finance system are carried out from the steps of supervision, management and operation of the housing accumulation fund, with emphasis on the characteristics of the security and the mandatory nature of the housing accumulation fund system. The commercial housing finance system is mainly analyzed from the aspects of legislation, supervision and securitization system of housing mortgage loan. Through the analysis, the conclusion of reasonable development of housing finance system is drawn.
【学位授予单位】：河南工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F293.3;F832.1
本文编号：2257881
[Abstract]:Under the background of the rapid development of society, among the four basic needs of people, the problem of "housing" is still the most important problem for the urban residents in our country. Therefore, great efforts to solve the housing problem has been an extremely important part of our policy objectives. For housing problems, the author from the housing financial system, through analysis, put forward relevant policy recommendations. The article is divided into five parts, the second part analyzes the historical development of housing finance system, the third part analyzes the current situation of housing finance system, the fourth part analyzes the foreign housing finance system and uses it for reference, the fifth part puts forward policy recommendations. The analytical methods of this paper include the combination of normative and empirical research, inductive and deductive analysis, and the combination of horizontal comparative analysis and longitudinal comparative analysis. The present housing finance system of our country is mainly formed by the policy housing finance system which is mainly composed of the housing accumulation fund and the commercial housing finance which is mainly composed of the commercial bank and so on. In this paper, through the study of the deficiencies of the system, and by drawing on the advantages of other countries in the system, according to the actual situation of our country, put forward the policy recommendations to our housing finance system. The relevant policies of the policy-oriented housing finance system are carried out from the steps of supervision, management and operation of the housing accumulation fund, with emphasis on the characteristics of the security and the mandatory nature of the housing accumulation fund system. The commercial housing finance system is mainly analyzed from the aspects of legislation, supervision and securitization system of housing mortgage loan. Through the analysis, the conclusion of reasonable development of housing finance system is drawn.
【学位授予单位】：河南工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F293.3;F832.1
【引证文献】
相关博士学位论文 前3条
1 刘清华;中国住房公积金制度研究[D];河海大学;2003年
2 王明国;资产证券化及其在房地产领域的应用研究[D];中国社会科学院研究生院;2006年
3 程红梅;中国当代房地产金融思想发展研究（1978-2005）[D];复旦大学;2007年
本文编号：2257881
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