论我国住房融资工具的创新-区域经济学专业论文.docxVIP

述了我国住房融资工具创薪的模式均造，提出了我国羚展住房融资工具的剑叛应从 述了我国住房融资工具创薪的模式均造，提出了我国羚展住房融资工具的剑叛应从 住房抵押贷款品种的刨新、住房赫金的创新、往房抵押贷款证券化创新，以及资本 赘场矗绥敲资工具豹创薪等方面遂行有益酌尝试。 第五章，住房融资工具创新的外部环境。这～章为燕四章中创新模式褥以正常运 行专门阐述了宏观环境中的法制、国家政策、税制的相关环境，并在各环节中提出 了可行赞黯繁建议。 ABSTRACTHousing ABSTRACT Housing financia JInstruments mFI)reform has become the focus in market．directed economy countries and some developing countries under the background of financial 矗eedom and financial innovation since l 980’s．New financiaI instruments occur usually not only in credit market but also in capital market．A|I kinds of instruments combinated and matched that furthered the development of housing industry in these countries．Under the international environment of the housing financiaI instruments jnnovation(HFII)， however,HFI in our country are almost indirect financiaI instruments．Direet financial instruments are in the beginning stage on account of the immature capital market．In our countrV．reaI estate companies and consumers usually faIl in the hell of capital 1ack owning to the lagging of HFI．The actuality of HFl in our country requests pressingly innovation． With probing and studying today’s situation of HFl jn our country and the historicaJ importance role which housing industry will play in our country,I clarify the significance of innovation to HFI．Therefore．I choose“HFll in our country’as my thesis for doctor degree， This thesis is about how to innovate HFI on the basis of analyzing the disadvantages existing in them．The main content ofeach chapter is as follow． Chapter one draws the general look of HFI．I describe the general theories and characters about HFI at first．Then．I make a brief review of the types and characters of HFII．At Iast．1 observe the latest situation of capital market in our country,and analysis HFll impact on the capital market． Chapter two analysis the developing conditions and drawbacks of the innovation of HFI in our country．The HFI can be divided into two types----direct and indirect．The lag of developmen