基于住房支付能力的郑州市共有产权房初始产权比例研究.docxVIP

PAGE PAGE I 山西财经大学2020届本科生毕业论文（设计） PAGE PAGE II 摘 要 住房问题向来是人们关注的焦点，保障居民住房需求已成为政府的一项重要任务。现有住房制度历经四十多年改革，期间政府推出多种类型保障房，已经在改善人们生活方面发挥了重要作用。郑州市目前保障性住房以公共租赁住房和棚户区改造为主，但是传统保障性住房已不能适应社会发展，政府资金不能有效回收造成资金紧张、产权不明带来投机现象、保障范围有限不能覆盖全部住房困难群体等问题逐渐显露。在此背景下，共有产权房作为一种新型产权式保障性住房，以其明确的各主体产权、资金回笼速度快等优势逐步发展起来，从最初的六个试点城市推广到越来越多省份。共有产权房突出优势得以实现的核心是各主体产权比例的合理分配，这也是政策制定时要考虑的关键性。 本文通过广泛阅读国内外文献，对共有产权的制度、产权分配、优势、定位等理论知识进行了深入了解，分析郑州市保障房供需现状、存在问题及建设共有产权房的必要性，借鉴国内外共有产权房的发展经验。结合剩余收入法与ELES模型定量分析政府与个人两个主体的产权比例，其中个人最大可承担的产权比例依据5个不同收入阶层人群住房支付能力分别测算，初始产权比例更为灵活。最后利用构建的模型以及郑州市中心城区建筑面积均价等相关数据进行实证分析，得出初始产权比例范围以及共有产权房覆盖率。 本文对郑州市共有产权房初始产权比例问题进行了深入研究，希望能对其他新一线城市有参考价值，并进一步促进我国共有产权制度的实施和完善。 关键词：共有产权房；产权比例；住房支付能力 Abstract The housing problem has always been the focus of peoples attention, ensuring the housing demand of residents has become an important task of the government. The current housing system has undergone more than four decades of reform. During this period, the government has introduced various types of affordable housing, which has played an important role in improving peoples lives. At present, the government-subsidized housing in Zhengzhou is mainly public rental housing and shantytown reconstruction, but the traditional government-subsidized housing has been unable to adapt to the social development, the government funds can not be effectively recovered, resulting in a shortage of funds, property rights unknown speculation phenomenon, the limited scope of security can not cover all the housing difficulties gradually emerged. In this context, as a new type of property right housing, the Shared property right housing has been gradually developed with its clear property right and other advantages, and expanded from the original six pilot cities to more and more provinces. There are detailed income and expenditure data of residents of different income groups in Zhengzhou, and the excessively high ratio of housing price to income makes the housing problem more urgent, which can serve as