商丘市差别化住房信贷政策执行问题研究

发布时间：2017-12-31 14:34

本文关键词：商丘市差别化住房信贷政策执行问题研究　出处：《郑州大学》2014年硕士论文　论文类型：学位论文

【摘要】：2007年,央行和银监会联合出台《关于加强商业性房地产信贷管理的通知》（银发【2007】359号），标志着我国实施差别化住房信贷政策的开端，国家开始采用金融手段对住房市场实行调控，商品住房金融市场的发展更加平稳健康。但是在差别化住房信贷政策执行的过程中，仍然存在着差别化信贷政策内容要求不符合实际情况，政策执行机构监管不力，以及政策执行效果不理想等等一系列的问题。结合实际研究并提出一些相应的改进措施，对完善差别化住房信贷政策的执行，支持居民自住购房需求和帮助房价回归合理水平，，具有十分重要的理论和现实的双重意义。本文以商丘市为例，通过阅读和收集各类资料以及开展定量和定性分析，运用史密斯政策执行过程模型作为理论分析框架，从理想化的政策、执行机关、目标群体和环境因素四个方面，对商丘市差别化住房信贷政策执行状况进行了研究，找出差别化住房信贷政策执行的问题并进行深入的原因分析，进而提出解决问题的建议与对策，促进差别化住房信贷政策更好地得以执行。本文共分为四个部分：第一部分介绍了研究意义、研究现状和史密斯政策执行分析模型；第二部分阐述了商丘市差别化住房信贷政策的内容和执行情况，重点分析了商丘市住房信贷市场的运行情况；第三部分提出了商丘市差别化住房信贷政策的执行中存在的问题并运用史密斯政策执行过程模型分析了产生问题的原因；第四部分对解决差别化住房信贷政策执行中存在的问题提出了对策建议。
[Abstract]:In 2007, the central bank and the CBRC jointly issued the notice > < on the strengthening of commercial real estate credit management (YF [2007] No. 359), marking the beginning of the implementation of the differential housing credit policy in our country, countries began to use financial means to control the implementation of the housing market, the development of commercial housing market more stable and healthy. But in the process of differential housing credit policy implementation, there are still differentiated credit policy content does not meet the requirements of the actual situation, policy implementation supervision mechanism, and policy implementation effect is not ideal and so on a series of problems. Combined with the actual research and put forward some corresponding improvement measures, to improve the differential housing credit policy implementation and the support from residents living in housing demand and help housing prices return to a reasonable level, double meaning has very important theoretical and practical.
Taking Shangqiu city as an example, through reading and collecting all kinds of data and carry out quantitative and qualitative analysis, using the Smith policy implementation process model as the theoretical framework, the executing organ from the ideal policy, the four aspects of the target population and environmental factors were studied in Shangqiu city the status of implementation of differentiated housing credit policy, find out the differential housing credit policy implementation problems and analyze the causes, and then puts forward some suggestions and Countermeasures to solve the problems, to promote the implementation of the differential housing credit policies better. This paper is divided into four parts: the first part introduces the research significance, research status and analysis model of the Smith policy implementation; the second part elaborates the content the city of Shangqiu and the implementation of the differential housing credit policy, focusing on analysis of the operation of Shangqiu city housing credit market; the third part. The problems existing in the implementation of differential housing credit policy in Shangqiu were put forward, and the reasons for the problems were analyzed by Smith's policy execution process model. The fourth part put forward countermeasures and suggestions to solve the existing problems in the implementation of differentiated housing credit policy.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.23;F832.45

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