政策性住宅金融:国际经验与中国借鉴——兼论中国住房公积金改革方案

发布时间：2018-05-21 05:37

  本文选题：政策性住宅金融 + 模式比较　； 参考：《国际经济评论》2016年02期

【摘要】：住房事关民生福祉、国家经济发展与社会和谐稳定。政策性住宅金融是政府为解决国民住房问题做出的一种特殊金融安排。发达经济体运行模式多借助市场力量,微观主体多为商业金融机构,切入点多从需求入手,动员的社会资本远大于强制性储蓄。中国住房公积金曾对住房福利分配向市场化的转变产生积极促进作用,也存在覆盖面窄、普惠性差、用途单一、配贷机制不健全加剧分配不公等问题。长远发展看,去行政化可将住房公积金打造成真正的政策性住宅金融机构,但其运行模式不一定是国家住房银行,可以是混合所有制住房储蓄银行或住房基金。
[Abstract]:Housing is related to the well-being of the people, national economic development and social harmony and stability. Policy housing finance is a special financial arrangement made by the government to solve the problem of national housing. The mode of operation of developed economy is mostly with the help of market forces, and the microcosmic main body is mostly commercial financial institution, the starting point is mostly from demand, and the social capital mobilized is far larger than the compulsory savings. China's housing provident fund has played an active role in promoting the change of housing welfare distribution to marketization, and there are some problems such as narrow coverage, poor inclusiveness, single use, imperfect loan allocation mechanism, and so on. In the long run, deadministration can make the housing accumulation fund into a real policy housing financial institution, but its operating mode is not necessarily the national housing bank, but the mixed ownership housing savings bank or housing fund.
【作者单位】： 中国社会科学院经济研究所;
【基金】：中国社会科学院创新工程项目“再分配与公共福利的政治经济学”研究成果之一
【分类号】：F299.23;F832.479
，

本文编号：1917955