我国保障性住房建设融资问题研究
发布时间：2018-10-20 16:53
【摘要】：现阶段,我国仍然是一个发展中国家,人口众多导致我国的在解决居民的住房领域还面临许多问题。虽然在居民住房改革的问题上我国已经有了多次的探索和进步,但是与一些发达国家相比,我国的居民收入水平和住房市场完善程度依然存在较大差距。近年来,房价快速攀升,居民支付能力却在持续下降,住房矛盾问题日益突出。因此,加快我国保障性住房的建设,对解决城镇居民的住房难题,改善民生,促进社会和谐可持续发展有着非常重要的意义。然而保障性住房的建设过程中,资金需求量大,融资困难等问题又严重制约着我国保障性住房建设的发展。根据“十二五”规划中提出的要求,“十二五”期间,我国保障性住房的建设任务是3600万套,据估算,大约需要投入的自己为5万亿元左右。 当前,在我国保障性住房建设中,所面临的突出问题就是资金的严重不足,中央及地方财政的能力有限,社会资金的注入不够等,都严重制约了我国保障性住房建设的发展速度。而在其他一些先进的国家和地区,在保障性住房建设融资方面都有一些不错的成功经验,比如通过政府补贴的方式来引导私人资本的注入,根据市场环境不断发展和创新金融产品来带动资本市场的参与等等。这些都为我国解决保障性住房建设中资金困境带来了诸多启迪,保障性住房建设资金的来源,需要构建多元化的融资渠道。 本文的研究目的就是力求在我国现有的制度框架下,把国家保障性住房的发展需求和政策体系相结合,在政府干预与市场调节共同的作用下,通过对比国内外在保障性住房建设融资方面现行的成功实例,吸取国外发达国家和地区的先进经验,结合我国的基本国情,来探索多元化的融资渠道和方式,构建完善的融资体系,创新金融融资工具。形成以政府主导为基础,通过市场的自由运作,多方共同参与,达到利益共享和风险共担的保障性住房融资新格局,更好的推动民间资金参与到保障性住房的建设中来。从而加快我国保障性住房建设的步伐,促进我国保障性住房建设融资体系健康快速、可持续的发展。
[Abstract]:At present, China is still a developing country. Although China has made many explorations and advances on the issue of residential housing reform, compared with some developed countries, there is still a big gap between the income level of residents and the perfection of housing market in our country. In recent years, the housing price is rising rapidly, but the residents' ability to pay is declining, and the housing contradiction is becoming more and more serious. Therefore, speeding up the construction of affordable housing in China is of great significance to solve the housing problems of urban residents, improve the people's livelihood and promote the harmonious and sustainable development of society. However, in the process of the construction of the indemnificatory housing, the large demand for funds and the difficulty of financing seriously restrict the development of the construction of the indemnificatory housing in our country. According to the request in the 12th Five-Year Plan, the construction task of the indemnificatory housing in our country is 36 million sets during the 12th Five-Year Plan period, and it is estimated that about 5 trillion yuan should be invested. At present, in the construction of affordable housing in our country, the outstanding problems are the serious shortage of funds, the limited capacity of the central and local finance, the insufficient injection of social funds, etc. All seriously restricted the development speed of our country supportable housing construction. In other advanced countries and regions, there have been some successful experiences in financing affordable housing construction, such as channelling private capital through government subsidies. According to the market environment and innovative financial products to promote the participation of the capital market and so on. All of these have brought a lot of enlightenment for our country to solve the financial dilemma in the construction of affordable housing. The sources of funds for the construction of affordable housing need to build diversified financing channels. The purpose of this paper is to combine the development needs and policy system of national affordable housing with the government intervention and market regulation under the existing institutional framework of our country. By comparing the current successful examples in the financing of affordable housing construction at home and abroad, drawing on the advanced experiences of developed countries and regions abroad and combining the basic conditions of our country, to explore diversified financing channels and methods. Build a sound financing system and innovate financial financing tools. To form a new pattern of affordable housing financing, which is based on the government leading, through the free operation of the market and the joint participation of many parties, to achieve the benefit sharing and risk-sharing of affordable housing financing, and to better promote the participation of private funds in the construction of affordable housing. In order to speed up the pace of affordable housing construction in China, promote the financing system of affordable housing construction healthy, rapid and sustainable development.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23
本文编号：2283779
[Abstract]:At present, China is still a developing country. Although China has made many explorations and advances on the issue of residential housing reform, compared with some developed countries, there is still a big gap between the income level of residents and the perfection of housing market in our country. In recent years, the housing price is rising rapidly, but the residents' ability to pay is declining, and the housing contradiction is becoming more and more serious. Therefore, speeding up the construction of affordable housing in China is of great significance to solve the housing problems of urban residents, improve the people's livelihood and promote the harmonious and sustainable development of society. However, in the process of the construction of the indemnificatory housing, the large demand for funds and the difficulty of financing seriously restrict the development of the construction of the indemnificatory housing in our country. According to the request in the 12th Five-Year Plan, the construction task of the indemnificatory housing in our country is 36 million sets during the 12th Five-Year Plan period, and it is estimated that about 5 trillion yuan should be invested. At present, in the construction of affordable housing in our country, the outstanding problems are the serious shortage of funds, the limited capacity of the central and local finance, the insufficient injection of social funds, etc. All seriously restricted the development speed of our country supportable housing construction. In other advanced countries and regions, there have been some successful experiences in financing affordable housing construction, such as channelling private capital through government subsidies. According to the market environment and innovative financial products to promote the participation of the capital market and so on. All of these have brought a lot of enlightenment for our country to solve the financial dilemma in the construction of affordable housing. The sources of funds for the construction of affordable housing need to build diversified financing channels. The purpose of this paper is to combine the development needs and policy system of national affordable housing with the government intervention and market regulation under the existing institutional framework of our country. By comparing the current successful examples in the financing of affordable housing construction at home and abroad, drawing on the advanced experiences of developed countries and regions abroad and combining the basic conditions of our country, to explore diversified financing channels and methods. Build a sound financing system and innovate financial financing tools. To form a new pattern of affordable housing financing, which is based on the government leading, through the free operation of the market and the joint participation of many parties, to achieve the benefit sharing and risk-sharing of affordable housing financing, and to better promote the participation of private funds in the construction of affordable housing. In order to speed up the pace of affordable housing construction in China, promote the financing system of affordable housing construction healthy, rapid and sustainable development.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23
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