太原市城镇低收入者住房支付能力研究

发布时间：2018-10-09 16:34

【摘要】：我国城镇居民的住房需求随着城镇化的快速发展而不断增长,但我国绝大部分城市的商品住房价格却居高不下,已远不在城镇低收入居民的可承受范围之内,这导致了大多数城镇低收入者依然无法拥有适宜的住房。因此,帮助城镇低收入者实现“住有所居”既是我国政府在社会保障领域施政的重点,也是国内学术界研究和探索的热点,这对促进居住和谐有着重要的意义。近年来太原市保障性住房的迅速发展进一步提升了城镇居民的居住水平,但仍有很大一部分城镇低收入者存在住房困难问题,即作为公共租赁住房保障对象的城镇低收入者仍然存在住房可支付性危机。那么在此背景下,住房保障政策需要面对和解决的是,如何量化该群体租赁公租房的住房支付能力、其居住支付缺口为多少及与住房保障需求的关系等一系列问题。本文首先以一定的理论研究作为支撑,定义了城镇低收入者、住房支付能力及住房保障需求的基本内涵及特征;其次以分析太原市自然社会经济状况为宏观基础,对太原市城镇低收入者的居住状况、住房消费能力及住房消费理念状况进行了图表分析。基于收入余额指标的思路,从居住支出能力及租赁公租房的居住成本两大方面对太原市城镇低收入者的住房支付能力影响因素进行了研究,并将太原市城镇低收入者住房支付能力的研究建立在对其居住支付缺口的量化分析上,从而探讨了太原市城镇低收入者对住房保障政策的补贴需求。最后,本文基于太原市城镇低收入者住房支付能力的量化研究,提出了创造就业机会以提高太原市城镇低收入者住房支付能力、充分发挥住房公积金对城镇低收入者的优先补贴作用、在详细测算的基础上确定住房保障的补贴机制、动态调整保障性住房面积准入标准、优先考虑具有特殊成员的住房困难家庭、引导城镇居民树立合理的住房消费观念等合理可行的建议。
[Abstract]:With the rapid development of urbanization, the housing demand of urban residents in China is increasing, but the commodity housing prices in most cities of our country are still high, which is far beyond the affordability of low-income urban residents. This has led to the fact that most low-income people in towns still do not have adequate housing. Therefore, it is not only the focal point of our government's administration in the field of social security, but also the hot spot of research and exploration in the domestic academic circles to help the low-income people in cities and towns to realize "living and living", which is of great significance to promote the harmony of residence. In recent years, the rapid development of affordable housing in Taiyuan has further improved the living standard of urban residents, but there are still a large number of low-income people in cities and towns who have housing difficulties. That is, the housing affordability crisis still exists among the low-income urban residents who are the object of public rental housing security. In this context, the housing security policy needs to face and solve a series of problems, such as how to quantify the housing payment capacity of the public rental housing group, what is the housing payment gap and the relationship with the housing security demand. Based on a certain theoretical research, this paper defines the basic connotation and characteristics of urban low-income people, housing affordability and housing security needs, and then analyzes the natural social and economic situation of Taiyuan as the macro basis. This paper analyzes the living condition, housing consumption ability and housing consumption concept of low income people in Taiyuan city. Based on the idea of income balance index, this paper studies the factors affecting the housing affordability of urban low-income people in Taiyuan from the two aspects of housing expenditure ability and living cost of renting public rental housing. Based on the quantitative analysis of the housing payment gap of urban low-income people in Taiyuan, this paper discusses the subsidy demand of housing security policy for low-income urban residents in Taiyuan. Finally, based on the quantitative study of the housing affordability of low-income people in Taiyuan, this paper proposes to create employment opportunities to improve the housing affordability of low-income people in Taiyuan. To give full play to the role of housing accumulation fund as a preferential subsidy to low-income people in urban areas, to determine the subsidy mechanism for housing security on the basis of detailed calculation, and to dynamically adjust the admission standards for affordable housing areas. Priority should be given to families with special housing difficulties, and reasonable and feasible suggestions should be made to guide urban residents to establish a reasonable concept of housing consumption.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23

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