住房储蓄模式及其在中国的应用前景分析

发布时间：2018-09-14 16:06

【摘要】：住房储蓄在中国十几年的发展与同期中国房地产市场以及居民购建房融资服务的发展及需求相比,呈现出资产量增长速度不快、网点布局规模不大、政府支持力度不强的特点,这些情况说明住房储蓄在中国发展缓慢,但是从理论上看,住房储蓄模式应该在中国有很大的发展空间应用前景。所以本文试图在对住房储蓄模式主要特征及优缺点进行分析总结的同时,探究住房储蓄在中国发展缓慢的原因,并分析其在中国的应用前景以及推进其发展的可行方式。在对已有文献进行综述的基础上,首先分析开放式住房储蓄模式和封闭式住房储蓄模式的特点,并结合住房储蓄模式相对于公积金模式和商业住房按揭贷款相比较的优缺点,分别从宏观和微观视角分析了住房储蓄模式在中国的应用前景。接着以理论分析的结论为基础,对住房储蓄模式在中国的应用前景做一个实证分析,也即问卷调查居民对住房储蓄模式的接受意愿,并分析哪些因素对居民的住房储蓄接受意愿产生影响。调查结果显示:第一,居民对住房储蓄的认知情况以及居民对政府奖励住房储蓄的看重程度对居民对住房储蓄的接受意愿有着显著的正向影响;第二,住房储蓄模式对中低收入者比较有吸引力,可能是受住房储蓄模式固定低利率的影响,中低收入者更愿意接受住房储蓄模式;第三,有着不同购房计划的被调查者在对住房储蓄接受意愿上也存在显著的差异,有中远期购房计划的居民更愿意接受住房储蓄模式。这说明住房储蓄模式在中国存在开拓空间和应用前景。以实证分析的结论为依据,最后对住房储蓄模式在中国的唯一实践,也就是中德住房储蓄银行的发展状况以及发展缓慢的原因进行了分析,提出发展建议并得出结论:住房储蓄模式不仅有利于保障中低收入人群的住房融资需求,丰富的产品体系也能够满足不同购房计划居民的住房信贷需求,应用前景广阔。
[Abstract]:The development of housing savings in China for more than ten years, compared with the development and demand of the Chinese real estate market and the financing services for housing purchase and construction by residents in the same period, has shown that the growth rate of investment output is not fast, the scale of network layout is not large, and the government support is not strong. These results indicate that housing savings are developing slowly in China, but in theory, housing savings model should have a great prospect of development and application in China. So this paper attempts to analyze the main characteristics, advantages and disadvantages of the housing savings model, at the same time, explore the reasons for the slow development of housing savings in China, and analyze its application prospects in China and the feasible way to promote its development. On the basis of summarizing the existing literature, this paper first analyzes the characteristics of open housing savings model and closed housing savings model, and combines the advantages and disadvantages of housing savings model compared with accumulation fund model and commercial housing mortgage loan. The application prospect of housing savings model in China is analyzed from macro and micro perspectives. Then, based on the conclusion of theoretical analysis, this paper makes an empirical analysis on the application prospect of housing savings model in China, that is, questionnaire survey residents' willingness to accept housing savings model. And analyze which factors affect the residents' willingness to accept housing savings. The results show that: first, residents' cognition of housing savings and the importance of government incentives to housing savings have a significant positive impact on residents' willingness to accept housing savings; second, Housing savings model is more attractive to low- and middle-income people. It may be affected by the fixed low interest rate of housing savings model, and the low- and middle-income people are more willing to accept the housing savings model; third, There are also significant differences in the willingness to accept housing savings among the respondents with different housing purchase plans, and the residents with medium and long-term housing purchase plans are more willing to accept the housing savings model. This shows that the housing savings model in China there is room for development and application prospects. Based on the conclusion of empirical analysis, the author analyzes the only practice of housing savings model in China, that is, the development of housing savings banks in China and Germany, and the reasons for the slow development of housing savings banks. It is concluded that the housing savings model is not only conducive to ensuring the housing financing needs of the middle and low income groups, but also can meet the housing credit needs of residents with different housing purchase plans, and has a broad application prospect.
【学位授予单位】：南京理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23

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