浙江省住房公积金资源配置效率研究

发布时间：2018-06-08 16:54

本文选题：住房公积金 + 资源配置　；参考：《浙江大学》2017年硕士论文

【摘要】：住房公积金是我国在住房改革过程中为了解决居民购买力不足,通过借鉴国外先进经验而建立的一种互助性的一种制度。通过对住房公积金的参与者进行强制储蓄,以便居民在需要时为他们提供低成本的购房资金。住房公积金资源的配置效率低下的情况越来越受到相关部门的重视,住房公积金资源的配置效率的优化成为了公积金业内研究的热点,本文希望能够在深入分析浙江省住房公积金的运行现状的基础上为浙江省住房公积金制度的改进提供一些可供参考的建议。本文首先归纳整理了前人在住房金融和住房公积金方面的研究进展和研究成果。然后,详细的介绍浙江省住房公积金组织机构构成情况和浙江省住房公积金的运行情况,整理出浙江省住房公积金运行中出现的一些困难,从而说明使住房公积金的资源配置更加合理在浙江省内很有现实意义。之后,通过建立模型来对住房公积金资源配置情况进行评价。对浙江省11个城市住房公积金资源的配置外部效率采用因子分析法进行了全面评价,并进行聚类分析。然后根据因子分析结果,找出对住房公积金资源配置外部效率影响的关键因素。利用DEA模型,分别测算了浙江省住房公积金资源内部效率和浙江省下属11个城市间住房公积金的相比较而言的资源配置书品,然后通过Tobit模型来探究对浙江省住房公积金运行效率的产生作用的关键因素。最后,提出浙江省住房公积金省级统筹这一制度建设方向,希望通过住房公积金的省级统筹管理,建立一个管理人员更加优化、管理更加规范、监管更加到位、资金更加安全、信息化更便捷的住房公积金体系。
[Abstract]:Housing provident fund is a kind of mutual aid system established in our country in the course of housing reform in order to solve the problem of insufficient purchasing power of residents and learn from the advanced experience of foreign countries. By compulsory savings for participants in the housing provident fund, residents can be provided with low-cost home-purchase funds when needed. The inefficient allocation of housing provident fund resources has been paid more and more attention by the relevant departments. The optimization of the allocation efficiency of housing provident fund resources has become a hot spot in the accumulation fund industry. This paper hopes to provide some suggestions for the improvement of the housing provident fund system in Zhejiang province on the basis of in-depth analysis of the current operation of the housing accumulation fund in Zhejiang Province. This paper first summarizes the research progress and achievements in housing finance and housing accumulation fund. Then, it introduces in detail the structure of the housing accumulation fund organization in Zhejiang Province and the running situation of the housing accumulation fund in Zhejiang Province, sorting out some difficulties in the operation of the housing accumulation fund in Zhejiang Province. Thus, it shows that the allocation of resources of housing accumulation fund is more reasonable in Zhejiang Province. After that, the model is established to evaluate the allocation of housing provident fund resources. The external efficiency of allocation of housing accumulation fund resources in 11 cities of Zhejiang Province is evaluated by factor analysis method and cluster analysis is carried out. Then according to the result of factor analysis, we find out the key factors that affect the external efficiency of housing accumulation fund resource allocation. By using DEA model, the internal efficiency of housing provident fund resources in Zhejiang Province and the allocation of resources among 11 cities in Zhejiang Province are calculated respectively. Then the Tobit model is used to explore the key factors to the efficiency of housing accumulation fund in Zhejiang province. Finally, it is proposed that the provincial overall planning of the housing provident fund in Zhejiang Province be the direction of construction. It is hoped that through the overall management of the housing provident fund at the provincial level, the establishment of a more optimized management staff, more standardized management, more effective supervision, and safer funds, Information more convenient housing accumulation fund system.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F299.23;F832.479

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