保障性住房信息的甄别研究
发布时间：2018-09-03 19:52
【摘要】：住房保障制度是一项公共政策,世界各国用它来保障本国居民基本的生存权和居住权等。住房保障制度的顺利实施有利于维护社会的公平和正义。目前世界各国大多实现了住房的市场化分配,而住房保障制度则是对市场化分配机制的必要补充,它不仅是一个国家社会保障制度的组成部分,也是一项重要的国家社会政策。 在现实中,很多西方发达国家已经形成了完善的住房保障系统。我国住房保障发展年限尚短而近年来各地保障房分配过程中出现的各种欺诈事件无一不质疑着当前的住房保障制度,例如：保障性住房六连号事件、倒卖经济适用房事件、开宝马买经济适用房事件、一人买多套保障房事件。由于利益驱动机制,保障房虚假申请行为屡禁不止,严重破坏了社会的公平和正义。如何将有限的保障房资源分配到目标保障人群的手中,避免保障房资源被非法侵占,是我国住房保障相关部门面临的一大难题。 本文将建立住房保障主管部门和申请人行为的动态博弈模型,对住房保障申请人的行为进行了纯策略分析和混合策略分析,得出了惩处力度、审核力度、虚假申请成本及保障性住房补贴对住房保障申请人行为的影响。惩处力度、审核力度、虚假申请成本的提高都将使申请人虚假申请的概率降低,而保障性补贴的提高将使申请人虚假申请的概率升高。 接着结合保障性住房申请的实际,提出了保障性住房申请人信息的甄别体系：1.建立我国保障性住房保障人(中低收入人群)评估标准;2.严格保障性住房申请的审核和监管；3.保证人制度和严厉惩罚制度。合理的评估标准是将目标保障群体从中甄别出来的前提,包括评估标准确立的原则和评估标准所包含的内容。严格保障性住房申请的审核和监管包括建立在住房保障信息系统上的网络评估体系,采用自辩评委会方式的公开评估体系以及保障人评估信息的公众监督。设置保证人制度,要求申请人提供保证人,由保证人给出保证申明。建议住房保障主管部门对于虚假申请行为给予保障房受益相当的经济惩罚并给予通报批评和计入诚信档案的处罚,提高虚假申请成本,减少虚假申请行为。
[Abstract]:Housing security system is a public policy, which is used by countries all over the world to protect their residents' basic rights of survival and residence. The smooth implementation of the housing security system is conducive to maintaining social fairness and justice. At present, most countries in the world have realized the market distribution of housing, and the housing security system is a necessary supplement to the market distribution mechanism. It is not only a part of a national social security system, but also an important national social policy. In reality, many western developed countries have formed a perfect housing security system. The development of housing security in China is still short, and in recent years, all kinds of fraud incidents in the distribution process of indemnificatory apartment in various parts of China have questioned the current housing security system, such as: the six-company number incident of affordable housing, the comfortable housing incident of reselling housing. Open BMW to buy comfortable housing event, a person to buy more than a set of indemnificatory apartment event. As a result of profit-driven mechanism, indemnificatory apartment's false application behavior repeatedly prohibited, seriously damaged the social fairness and justice. How to allocate limited indemnificatory apartment resources to the hands of the target protection crowd and avoid illegal encroachment of indemnificatory apartment resources is a big problem faced by the housing security departments in our country. In this paper, the dynamic game model between the housing security department and the applicant is established, and the behavior of the housing security applicant is analyzed by pure strategy and mixed strategy. The effect of false application cost and indemnificatory housing subsidy on the behavior of housing security applicant. The increase of penalty, examination and false application cost will reduce the probability of false application, while the increase of indemnificatory subsidy will increase the probability of false application. Then, according to the reality of the application for affordable housing, this paper puts forward the screening system of the information of indemnificatory housing applicant: 1. 1. Establish our country indemnificatory housing security person (middle and low income group) appraisal standard is 2. 2. Strict audit and supervision of housing applications. System of surety and severe punishment. The reasonable evaluation standard is the premise of discriminating the target protection groups, including the principles established by the evaluation criteria and the contents of the evaluation criteria. Strict audit and supervision of affordable housing applications include a network evaluation system based on housing security information system, a public evaluation system based on self-defense evaluation committee and a public supervision of the information of guarantor evaluation. A system of guarantors is set up, which requires the applicant to provide the guarantor, and the guarantor shall give the guarantee statement. It is suggested that housing security authorities should give indemnificatory apartment economic punishment to benefit from false application and give punishment of notification and criticism and credit file to increase the cost of false application and reduce false application.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.23
本文编号：2221002
[Abstract]:Housing security system is a public policy, which is used by countries all over the world to protect their residents' basic rights of survival and residence. The smooth implementation of the housing security system is conducive to maintaining social fairness and justice. At present, most countries in the world have realized the market distribution of housing, and the housing security system is a necessary supplement to the market distribution mechanism. It is not only a part of a national social security system, but also an important national social policy. In reality, many western developed countries have formed a perfect housing security system. The development of housing security in China is still short, and in recent years, all kinds of fraud incidents in the distribution process of indemnificatory apartment in various parts of China have questioned the current housing security system, such as: the six-company number incident of affordable housing, the comfortable housing incident of reselling housing. Open BMW to buy comfortable housing event, a person to buy more than a set of indemnificatory apartment event. As a result of profit-driven mechanism, indemnificatory apartment's false application behavior repeatedly prohibited, seriously damaged the social fairness and justice. How to allocate limited indemnificatory apartment resources to the hands of the target protection crowd and avoid illegal encroachment of indemnificatory apartment resources is a big problem faced by the housing security departments in our country. In this paper, the dynamic game model between the housing security department and the applicant is established, and the behavior of the housing security applicant is analyzed by pure strategy and mixed strategy. The effect of false application cost and indemnificatory housing subsidy on the behavior of housing security applicant. The increase of penalty, examination and false application cost will reduce the probability of false application, while the increase of indemnificatory subsidy will increase the probability of false application. Then, according to the reality of the application for affordable housing, this paper puts forward the screening system of the information of indemnificatory housing applicant: 1. 1. Establish our country indemnificatory housing security person (middle and low income group) appraisal standard is 2. 2. Strict audit and supervision of housing applications. System of surety and severe punishment. The reasonable evaluation standard is the premise of discriminating the target protection groups, including the principles established by the evaluation criteria and the contents of the evaluation criteria. Strict audit and supervision of affordable housing applications include a network evaluation system based on housing security information system, a public evaluation system based on self-defense evaluation committee and a public supervision of the information of guarantor evaluation. A system of guarantors is set up, which requires the applicant to provide the guarantor, and the guarantor shall give the guarantee statement. It is suggested that housing security authorities should give indemnificatory apartment economic punishment to benefit from false application and give punishment of notification and criticism and credit file to increase the cost of false application and reduce false application.
【学位授予单位】：华中师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F299.23
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