延边地区住房公积金贷款问题及对策研究

发布时间：2018-03-15 03:38

本文选题：延边地区　切入点：住房公积金贷款　出处：《延边大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的快速发展和城市化水平的不断提高,居民的住房问题已经成为制约我国城市发展的瓶颈,且随着住房需求者对购房的热情高涨和房地产商对楼市的肆意炒作,居民购房问题不断涌现。商业银行住房贷款在解决这一问题上发挥着一定的作用,但其存着高利率和手续繁琐等众多问题。随着住房改革的深入推进,个人住房公积金贷款应运而生,且凭借着较低的贷款利息和简单的申请流程,其受到了广大居民的欢迎。但是,在我国各地住房公积金贷款迅速发展的同时,延边地区的住房公积金贷款发展却十分滞后,为此,必须执果索因,对该地区住房公积金贷款中存在的种种问题及其产生的原因进行详细的分析,以为延边地区住房公积金贷款的发展提出对策建议,本文的研究对于延边地区住房公积金贷款的完善具有可行性的借鉴和指导意义。鉴于此,本文以延边朝鲜族自治州的住房公积金贷款为研究对象,采用定量分析、定性分析和规范分析相结合的研究方法对该地区的住房公积金贷款展开了研究。第一章中首先对本文的研究背景、目的及意义进行了叙述,然后从国内外两个角度进行了文献综述,最后概述了本文的研究内容和研究方法。第二章对住房公积金的相关理论,如西方社会保障理论、强制储蓄理论、委托代理理论、群体决策理论、互助性理论等进行了简述。第三章在对住房公积金贷款种类和还款方式进行介绍的基础上,针对延边地区住房公积金贷款的现状进行了详细分析。第四章一方面从管理问题、执行问题和制度问题三个角度详细地总结出了延边地区住房公积金贷款中存在的种种问题,另一方面分析了问题产生的原因,即住房公积金贷款制度自有的缺陷、发展的滞后和管理模式的限制等。在对存在的问题及原因进行分析之后,本文在第五章中针对存在的问题对完善延边地区住房公积金贷款的完善提出了对策建议,一是在管理方面要做到应整合组织管理、防止政策漏洞,完善贷款制度,加强内部管理、严格规范要求,制定健全的贷款风险管理制度;二是在制度方面要做到严格管理个人住房贷款的抵押行为,完善个人信用制度,加大对"骗贷"行为的打击力度,严控公积金贷款流程;三是在政策和法律方面要做到妥善处理延边地区"商转公"行为和完善公积金贷款法律体系等。
[Abstract]:With the rapid development of our economy and the continuous improvement of urbanization level, the housing problem of residents has become the bottleneck restricting the development of our country's cities, and with the rising enthusiasm of housing demanders and the wanton speculation of real estate developers on the real estate market, The problem of residential housing purchase is constantly emerging. Commercial bank housing loan plays a certain role in solving this problem, but it has many problems, such as high interest rate and cumbersome procedures. With the further development of housing reform, Individual housing provident fund loan came into being, and with lower loan interest and simple application process, it was welcomed by the majority of residents. However, with the rapid development of housing provident fund loans in various parts of our country, However, the development of housing accumulation fund loan in Yanbian area is lagging behind. Therefore, it is necessary to carry out a detailed analysis of the problems existing in the housing accumulation fund loan in this area and its causes. In order to put forward countermeasures and suggestions for the development of housing accumulation fund loan in Yanbian area, the research in this paper has a feasible reference and guiding significance for the improvement of housing accumulation fund loan in Yanbian area. This article takes the housing accumulation fund loan of Yanbian Korean Autonomous Prefecture as the research object, adopts the quantitative analysis, The qualitative analysis and normative analysis are combined to study the housing accumulation fund loan in this area. In the first chapter, the research background, purpose and significance of this paper are described. Then from the domestic and foreign two angles of literature review, finally summarized the research content and research methods. The second chapter of the housing provident fund related theories, such as western social security theory, forced savings theory, principal-agent theory, The third chapter introduces the types of loans and repayment methods of housing provident fund. This paper analyzes the present situation of housing provident fund loan in Yanbian area in detail. On the one hand, chapter 4th summarizes in detail the problems existing in housing accumulation fund loan in Yanbian area from three aspects of management problem, implementation problem and system problem. On the other hand, it analyzes the causes of the problems, that is, the inherent defects of the housing provident fund loan system, the lag of development and the limitation of the management mode. In chapter 5th, the author puts forward some suggestions to improve the loan of housing accumulation fund in Yanbian area. Firstly, it should integrate organization management, prevent policy loophole and perfect loan system in the aspect of management. Strengthen internal management, strictly standardize requirements, formulate a sound loan risk management system; second, strictly manage the mortgage behavior of individual housing loans and improve the personal credit system in terms of the system. We should step up the crackdown on the "loan fraud" and strictly control the flow of provident fund loans; third, we should properly handle the "commercial and public transfer" behavior in Yanbian and improve the legal system of provident fund loans in the area of Yanbian.
【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479

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