蚌埠市保障性住房融资模式研究

发布时间：2018-01-03 11:26

本文关键词：蚌埠市保障性住房融资模式研究　出处：《安徽财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的迅速发展,工业化、城镇化进程的加快,房价一直高居不下,为了全面改善低收入家庭住房困难问题,我国正大力推进保障性安居工程的建设,争取至“十二五”期末全国新建保障性住房3600万套,完成我国保障性住房的覆盖面达到20%的目标。目前我国保障性安居工程在投资、建设、运营和管理上还未形成统一的机制,存在地区发展不平衡的问题,对于经济发达的东部沿海地区保障性住房建设起步较早,运作体系相对完善,而经济相对落后的中西部地区保障性住房建设起步晚,运作体系尚不健全,而资金短缺成为制约各地保障性住房发展的重要因素。我国目前保障性住房建设资金主要来源于政府预算资金,住房公积金增值收益,土地出让金净收益和银行贷款,总体说来资金来源单一,对政府依赖性高,给政府财政带来了很大的压力。本文选取蚌埠市作为调查研究的主体,对蚌埠市现有的保障性住房种类——廉租房、公共租赁房、棚户区改造、经济适用房,通过实地调研,深入了解蚌埠市各类保障房建设的规模、资金需求,从融资的角度分类进行了深入的研究分析。文章的前半部分首先介绍了公共产品理论、凯恩斯理论、新公共管理理论等与保障房相关的一些理论,为全文的写作奠定了理论基础,并对每种类型的保障性住房进行了分类与界定,详细叙述了廉租房、公共租赁房、棚户区改造、经济适用房各自的特点与保障对象。然后从土地供应、开工及完工情况等方面,介绍了我国部分城市保障性住房的发展现状,让读者对我国保障性住房的发展有一个宏观的认识。接着选取国内和国外具有借鉴意义的保障房融资模式进行了分析。国内着重介绍了黄石,上海和重庆三个城市的保障房融资模式,国外选取了美国、新加坡、日本、法国等发达国家较为成熟的保障房融资模式进行了介绍。在这些模式中,都根据实际情况将社会资本引入了保障房的建设中,为文章的写作奠定了实践基础。在分析蚌埠市保障性住房时,根据对蚌埠市廉租房、公共租赁房、棚户区改造、经济适用房的建设情况、资金来源等方面的调研发现,蚌埠市保障房建设资金对政府依赖性较大,给财政带来了较大的压力,融资来源也多为银行贷款,社会资本参与不足,融资模式较为单一。根据调研发现的这些问题,我们为蚌埠市各类保障性住房量身制定了相应的创新融资模式,由政府牵头合理引入社会资本参与,多元化保障性住房的资金来源,这样不仅缓解了政府的财政压力而且也优化了社会资本的配置。最后,在总结全文调查分析的基础上,提出相关政策建议,帮助改善蚌埠市保障房建设资金来源单一,对政府依赖度高的现状。
[Abstract]:With the rapid development of our economy, industrialization and the acceleration of urbanization, housing prices have been high. In order to improve the housing difficulties of low-income families, our country is vigorously promoting the construction of affordable housing projects. By the end of the 12th Five-Year Plan, 36 million new indemnificatory housing units have been built in the country, and the coverage of the indemnificatory housing in China has reached the goal of 20%. At present, our country is investing in and constructing the indemnificatory housing project. Operation and management has not yet formed a unified mechanism, there is an imbalance in regional development, for the economic development of the eastern coastal areas of the construction of affordable housing started earlier, the operation system is relatively perfect. However, the construction of affordable housing in the central and western regions, where the economy is relatively backward, started late, and the operational system is not yet perfect. The shortage of funds has become an important factor that restricts the development of affordable housing. At present, the funds for the construction of affordable housing in China mainly come from the government budget funds, housing accumulation fund value-added income. The net income of land sales and bank loans, as a whole, have a single source of funds and a high dependence on the government, which brings great pressure to the government finance. This article selects Bengbu city as the main body of investigation and research, on the existing types of affordable housing in Bengbu-low-rent housing, public rental housing, shantytown transformation, comfortable housing, through field research. Deeply understand the scale and capital demand of various indemnificatory apartment construction in Bengbu, and analyze the classification from the angle of financing. The first part of the article first introduces the theory of public goods, Keynesian theory, new public management theory and other related theories with indemnificatory apartment, for the full text of the writing laid a theoretical foundation. And the classification and definition of each type of affordable housing, a detailed description of low-rent housing, public rental housing, shantytown transformation, comfortable housing's own characteristics and security objects. Then from the land supply. In this paper, the author introduces the current situation of the development of some urban affordable housing in China, and makes readers have a macroscopic understanding of the development of the indemnificatory housing in China. Then the domestic and foreign reference indemnificatory apartment financing model is analyzed. The domestic focus on the Yellowstone, Shanghai and Chongqing three cities indemnificatory apartment financing model, foreign choice of the United States, Singapore. Japan, France and other developed countries more mature indemnificatory apartment financing model is introduced. In these models, social capital is introduced into indemnificatory apartment according to the actual situation. It lays a practical foundation for the writing of the article. In the analysis of Bengbu affordable housing, based on the Bengbu low-rent housing, public rental housing, shantytown reconstruction, comfortable housing's construction situation, sources of funds and other aspects of research and findings. The capital of indemnificatory apartment construction in Bengbu city depends heavily on the government, which brings great pressure to the finance, and the financing source is mostly bank loan, and the social capital participation is insufficient. Financing model is relatively single. According to the research found these problems, we have developed a corresponding innovative financing model for all kinds of affordable housing in Bengbu, the government led by the reasonable introduction of social capital participation. It not only alleviates the government's financial pressure but also optimizes the allocation of social capital. Finally, on the basis of summing up the investigation and analysis of the full text, this paper puts forward some relevant policy suggestions to help improve the situation of the single source of capital for indemnificatory apartment construction in Bengbu and its high dependence on the government.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.45

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