住房公积金视角下的牡丹江市农民工住房保障问题研究

发布时间：2018-04-16 04:01

本文选题：住房公积金 + 农民工　；参考：《吉林大学》2014年硕士论文

【摘要】：农民工是中国经济与社会发展过程中的重要力量，尤其是从我国对外开放开始，国家政策对农村劳动力迁移的限制放宽，许多农民工进入城市打工，在很大程度上促进了城市迅速现代化与城市化。在农民工为城市发展做出巨大贡献的同时，这个群体在城市受到了不平等的待遇，无法分享经济社会发展的成果。他们在教育、医疗、就业、住房等方面的获取上，仍然处在弱势地位，尤其是在住房这个基本生存环境上，更是受到不公平对待。随着我国经济的不断发展，住房问题逐渐演变为社会的焦点问题。越来越多中低收入者的购房需求被居高不下的房价“拒之门外”，住房公积金的保障作用显得更加突出，任务更加艰巨。住房公积金制度在早期的住房制度改革中发挥了重要的作用，在为国家住房建设筹集资金的同时，大大改善了居民的住房购买能力。但是在住房公积金制度的运行中也产生了大量问题，在很大程度上阻碍了住房公积金资金的有效运作。本文首先阐明了研究的背景及研究意义，国内外研究现状，研究内容与方法；然后阐述了基本概念与相关理论，在此基础上，以牡丹江市为例，细致深入的探讨其农民工住房现状（农民工住房的需求、农民工住房的条件、农民工居住的方式）。分析牡丹江市农民工住房存在的问题及其原因，现阶段牡丹江市农民工住房存在的问题如下：居住条件相对较差；租房难，房租贵；收入相对较低，缺乏住房保障；住房需求得不到满足。牡丹江市农民工住房问题的原因如下：农民工群体的特殊境地；农民工群体的自身局限性因素；农民工家庭生活缺乏其他保障；农民工群体经济地位落后；政府保障职能缺位；城市市民对农民工的排斥。指明住房公积金制度解决农民工住房问题的原因，并以我国的湖州市、南京市为例，阐明了国内经验借鉴及启示；最后提出住房公积金制度解决农民工住房问题的相关对策，，主要包括完善住房公积金缴存制度、坚持以扩大个人住房贷款为第一使用方向、增强住房公积金对低收入者的住房保障能力（允许低收入者提取住房公积金支付房租、降低低收入者的贷款门槛，提高其购房能力）、开辟住房公积金增值保值新渠道、加强相关法制建设等几个方面。
[Abstract]:Migrant workers are an important force in the process of China's economic and social development, especially from the beginning of China's opening to the outside world, national policies to relax the restrictions on rural labor migration, many migrant workers into the city to work.To a large extent, it promotes the rapid modernization and urbanization of cities.While the migrant workers make great contributions to the development of the city, this group has been treated unequally in the city, unable to share the fruits of economic and social development.They are still in a weak position in access to education, medical care, employment, housing and so on, especially in the basic living environment of housing, which is even more unfairly treated.With the development of our country's economy, the housing problem has gradually become the focus of the society.More and more low- and middle-income people's house purchase demand is "shut out" by the high housing price, the housing accumulation fund's safeguard function appears to be more prominent, the task is more arduous.The housing accumulation fund system played an important role in the early reform of the housing system. While raising funds for the national housing construction, the housing accumulation fund system greatly improved the housing purchase ability of the residents.However, there are many problems in the operation of housing provident fund system, which hinder the effective operation of housing accumulation fund to a great extent.In this paper, the background and significance of the research, the current research situation at home and abroad, the research contents and methods are expounded, and then the basic concepts and related theories are expounded. On this basis, Mudanjiang City is taken as an example.This paper probes into the present situation of migrant workers' housing (the demand of migrant workers' housing, the conditions of migrant workers' housing and the way of living for migrant workers).This paper analyzes the problems and causes of the housing of migrant workers in Mudanjiang. The problems of the housing of migrant workers in Mudanjiang are as follows: relatively poor living conditions, difficult rental, high rent, relatively low income and lack of housing security;Housing needs are unmet.The reasons for the housing problems of migrant workers in Mudanjiang are as follows: the special situation of migrant workers; the limitation factors of migrant workers; the lack of other protection in the family life of migrant workers; the backward economic status of migrant workers; the absence of government security function;The exclusion of urban citizens from migrant workers.This paper points out the reasons of housing accumulation fund system to solve the housing problem of migrant workers, and takes Huzhou City and Nanjing City as examples, expounds the domestic experience and enlightenment, and finally puts forward the relevant countermeasures of housing accumulation fund system to solve the housing problem of migrant workers.Mainly including improving the housing provident fund deposit system, insisting on the expansion of personal housing loans as the first direction of use, and enhancing the housing security ability of the housing accumulation fund for the low-income people (allowing low-income people to withdraw housing accumulation funds to pay rent.)Lower the threshold of low-income loans, improve their ability to buy houses, open up a new channel of housing accumulation fund value, strengthen the construction of related legal system, and so on.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23

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