我国保障性住房融资研究

发布时间：2018-06-01 07:06

本文选题：保障性住房 + 资金需求　；参考：《首都经济贸易大学》2013年硕士论文

【摘要】：保障性住房作为一项关系民生的重要保障性安居工程，已经得到了我国政府的大力支持。根据我国保障性住房建设目标，到“十二五”末，完成3600万套保障性住房建设任务，使保障性住房占城镇居民住房比例达20%左右。从目前暴露出的问题看，资金不足是制约我国保障性住房体系建设的主要瓶颈。本文以此为背景，试图探索保障性住房的多元化融资渠道，目的在于完善我国保障性住房的融资体系，使资金得到有效合理的利用。本文首先阐释了探索保障性住房融资的相关理论，明确了保障性住房的基本属性，并为全文对于保障性住房的融资分析奠定了基础。进而，全面介绍了我国保障性住房的总体结构和建设进度，并重点从供需两方面对目前保障性住房的资金情况进行了详细分析，得出目前我国保障性住房的资金供需缺口，从而明确了解决保障性住房融资问题的意义和紧迫性。为探索出适合我国国情的保障性住房融资渠道，本文接下来深入剖析了目前制约我国保障性住房融资的主要因素，并且总结了国内外保障性住房融资的成功经验和从中得到的启示，最终结合我国国情和国内外经验，提出了完善我国保障性住房融资模式的政策建议，即完善保障性住房法律保障体系；继续加大中央和地方政府财政支持力度，同时着力发挥财政资金的杠杆效应；完善住房公积金制度；创新信贷模式、完善金融政策，引导商业银行和企业积极投身保障性住房建设；除此之外，要利用好REITs等多样化的金融工具和建设模式，，开辟更加多样的融资渠道，为保障性住房建设提供更有力的资金保障。
[Abstract]:As an important security housing project, affordable housing has been strongly supported by our government. According to the goal of the construction of the indemnificatory housing in our country, by the end of the 12th Five-Year Plan, 36 million sets of the construction of the supportable housing will be completed, and the proportion of the indemnificatory housing to the housing of the urban residents will be about 20%. In view of the problems exposed at present, the shortage of funds is the main bottleneck restricting the construction of the indemnificatory housing system in China. Based on this background, this paper attempts to explore the diversified financing channels of affordable housing, with the aim of perfecting the financing system of affordable housing in China and making effective and rational use of funds. This paper first explains the related theories of affordable housing financing, clarifies the basic attributes of affordable housing, and lays a foundation for the financing analysis of affordable housing in this paper. Then, the overall structure and construction progress of the indemnificatory housing in our country are introduced in an all-round way, and the financing situation of the current indemnificatory housing is analyzed in detail from the two aspects of supply and demand, and the gap between the supply and demand of the indemnificatory housing in our country is obtained. Thus, the significance and urgency of solving the problem of affordable housing financing are clarified. In order to find out the suitable financing channels for affordable housing in China, this paper analyzes the main factors that restrict the financing of affordable housing in China. And summarized the successful experience and enlightenment of the affordable housing financing at home and abroad, finally combined with our national conditions and domestic and foreign experience, put forward the policy recommendations to perfect the model of the affordable housing financing in our country. That is, to improve the legal security system of affordable housing; to continue to increase the financial support of the central and local governments, and at the same time to exert the leverage effect of financial funds; to perfect the housing accumulation fund system; to innovate the credit model; to improve the financial policy, To guide commercial banks and enterprises to actively participate in the construction of affordable housing; in addition, it is necessary to make good use of various financial instruments and construction models such as REITs, to open up more diversified financing channels, and to provide more effective financial security for the construction of affordable housing.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.233.4

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