房价过高形势下对我国住房保障体系地分析.docVIP

房价过高形势下对我国住房保障体系的分析 摘要 随着社会贫富差距的逐渐扩大和房地产市场化程度不断提高，商品房价格的涨幅远远高于居民收入增幅，越来越多的居民开始支付不起市场上不断高涨的房价，尤其是中低收入群体，即使是依靠银行提供的按揭，也满足不了应有的住房水平。因此在我国现有市场经济体制下，在收入水平存在一定差距的社会里，要实现“居者有其屋”，还必须建立多方位的，适度的住房保障制度来保障中低收入群体的住房要求。本文对我国现有住房保障制度现的问题做了简要分析。 关键词：住房保障制度、发展历程、完善措施 Analysis of the housing security system in China under the situation of high prices With the social and the growing gap between rich and poor and the degree of the real estate market continue to improve, housing prices rose much higher than income growth, more and more residents began to can not afford to pay the market rising prices, especially low-income groups, even if is to rely on banks to provide mortgage, can not meet the proper level of housing. Therefore, in the current market economic system, there is a certain gap in income level of society, to achieve home ownership, also must establish a multi-faceted, housing requirements to protect low-income groups housing security system appropriately. This paper made a brief analysis of Chinas current housing security system now. Keywords:Housing security system；Development process；Development process 目录 TOC \o 1-3 \h \u HYPERLINK \l _Toc23979 一、引言 PAGEREF _Toc23979 1 HYPERLINK \l _Toc3664 二、我国住房保障体制的发展历程 PAGEREF _Toc3664 1 HYPERLINK \l _Toc1111 （一）经济适用房的发展及其现状 PAGEREF _Toc1111 1 HYPERLINK \l _Toc7121 （二）廉租住房的发展及其现状 PAGEREF _Toc7121 1 HYPERLINK \l _Toc29796 （三）住房公积金的发展及其现状 PAGEREF _Toc29796 2 HYPERLINK \l _Toc10900 三、我国当前房价现状 PAGEREF _Toc10900 2 HYPERLINK \l _Toc12667 四、高房价下住房保障体系的完善措施 PAGEREF _Toc12667 3 HYPERLINK \l _Toc9427 （一）各地区、各有关部门要切实履行稳定房价和住房保障职责 PAGEREF _Toc9427 3 HYPERLINK \l _Toc25940 1.统一思想，提高认识 PAGEREF _Toc25940 3 HYPERLINK \l _Toc31782 2.建立考核问责机制 PAGEREF _Toc31782 3 HYPERLINK \l _Toc30434 （二）坚决抑制不合理住房需求 PAGEREF _Toc30434 3 HYPERLINK \l _Toc12422 1.实行更为严格的差别化住房信贷政策 PAGEREF _Toc12422 3 HYPERLINK \l _Toc4036 2.发挥税收政策对住房消费和房地产收益的调节作用 PAGEREF _Toc4036 3 HYPERLINK \l _Toc28791 （三）增加住房有效供给 P