保障性住房金融支持研究——基于安徽省数据.doc

安徽财经大学硕士学位论文 保障性住房金融支持研究 ——基于安徽省数据 摘  要 房地产业是国民经济的基础性和支柱性产业，在一国国民经济中具有 举足轻重的地位。住房问题既是与人们的切身利益息息相关，也是构建和 谐社会的重要一环。随着我国房地产市场的高速发展，市场上商品性住房 价格的不断抬高，住房商品的结构性供需矛盾也逐渐凸显，中低收入居民 的住房困难问题日益严重。政府从经济发展效率和社会公平稳定的角度出 发，开始建立健全我国的保障性住房制度，力求缓解我国部分中低收入居 民的住房困难问题。在保障性住房建设的过程中，中央、地方及各市场主 体的金融支持是重要的一环，在现实的建设实践中却又是最薄弱的一环。 论文回顾了改革开放以来保障房建设的发展历程，通过统计描述、博弈分 析，解构了中央的保障房政策在执行的过程中没有得到很好落实的制度原 因。对影响保障性住房供给的相关因素进行了全国数据和安徽省数据的实 证分析。在比较借鉴国外保障性住房金融支持经验的基础之上，提出我国 保障性住房发展的政策建议，提出完善保障性住房金融支持体系的框架内 容。 本文得出的结论是：保障性住房的公共物品性质决定其单纯依靠市场 机制很难解决保障性住房的供给问题，需要国家、政府、市场主体等各方 面的支持；中央和地方政府共同支持、构建完善的保障性住房金融支持体 系、创新金融支持模式、优化金融支持的外部环境,是解决我国保障房建设 中出现的问题并促使我国保障房建设更好的发展的战略选择；完善法律法 规，重视立法保障和司法支持，是我国保障性住房制度得以长远发展的必 要条件。 关键词：保障性住房，金融支持 1 保障性住房金融支持研究  ABSTRACT A RESEARCH ON THE FINANCIAL SUPPORT OF AFFORDABLE HOURSING ——BASED ON THE DATA IN ANHUI PROVINCE ABSTRACT The real estate industry is the foundation and pillar industry of national economy and it occupies a decisive position in the national economy. The housing is not only closely related to the vital interests of the people, but also an important part of building a harmonious society. With the rapid development of Chinas real estate market, the price of the commodity housing market continues to rise, structural contradiction between supply and demand of housing goods is also increasingly prominent, and the housing problem of the low-income residents grows serious. From the aspect of economic efficiency and social equity and stability, the government began to build and improve our countrys affordable housing system, striving to alleviate the housing problems of some low-income residents. In the process of construction of affordable housing, the financial support central government, local government and market is an important link, as well as the weakest link in the reality of the practice of building. The paper reviews the process of affordable housing construction since reform and opening, deconstructs system causes that the central protection of housing policy has