中国保障房体系的动态优化及融资风险控制

发布时间：2018-04-25 21:24

本文选题：保障房体系 + 动态优化　；参考：《安徽财经大学》2015年硕士论文

【摘要】：我国目前已初步形成租售并举、多层次的住房保障体系,但是实际运行过程中,保障房供需总量是否均衡,结构是否协调,以及保障房融资风险问题需引起广泛重视。本文首先基于全局角度对我国住房市场的总体供求状况进行分析；其次,从住房可支付性角度,划分商品房与保障房需求群体,测算保障房实际需求量；再次,从资源充分利用的角度,对保障房来源渠道进行优化；接着,从提高效率与规划现金流的角度,优化保障房配置模式；最后,从财政负担与可清偿能力的角度,分析我国保障房融资风险。研究发现,我国住房市场供求失衡,存在大量剩余住房,在这种背景下,政府可以通过购买或转租的方式将部分剩余商品房转化为保障房,从而减少保障房的建设量,在充分利用剩余商品房资源的同时,有效缓解了保障房资金压力。租售并举模式下,出售类保障房难以保证公平,且易滋生寻租腐败行为,出租类保障房难以有效管理,从未来住房保障可持续发展的角度来看,应探索纯租金补贴模式。当前我国保障房建设资金需求量大,政府债务累积,财政当期负担沉重,未来可清偿能力堪忧,可能引发财政风险,并向金融领域扩散,应从保障房资金来源与资金支出两个方面防范和控制保障房融资风险。
[Abstract]:At present, China has initially formed a multi-level housing security system. However, in the actual operation process, indemnificatory apartment's total supply and demand is balanced, the structure is coordinated, and the issue of indemnificatory apartment financing risk needs to be paid more and more attention. This paper firstly analyzes the overall supply and demand of housing market in China based on the overall situation. Secondly, from the perspective of housing affordability, we divide the demand groups of commercial housing and indemnificatory apartment, and calculate the actual demand of indemnificatory apartment. Thirdly, From the perspective of making full use of resources, we optimize indemnificatory apartment's source channels; then, from the perspective of improving efficiency and planning cash flow, we optimize indemnificatory apartment's allocation model; finally, from the perspective of financial burden and solvency, Analyze the financing risk of indemnificatory apartment in China. The study found that the supply and demand of housing market in our country is out of balance, and there are a large number of surplus housing. Under this background, the government can transform some surplus commercial housing into indemnificatory apartment by buying or subletting it, thus reducing the amount of construction of indemnificatory apartment. In the full use of surplus commercial housing resources at the same time, effectively alleviated indemnificatory apartment's financial pressure. Under the model of simultaneous rental and sale, indemnificatory apartment is difficult to guarantee fairness, and easy to breed the corrupt behavior of rent-seeking. Therefore, it is difficult to manage the rental system effectively. From the point of view of sustainable development of housing security in the future, we should explore the model of pure rent subsidy. At present, indemnificatory apartment has a large demand for construction funds, accumulated government debts, heavy financial burdens in the current period, and is worried about his future solvency, which may lead to financial risks and spread to the financial field. Indemnificatory apartment should prevent and control the financing risk from two aspects: capital source and fund expenditure.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F299.23

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