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In China, the system of housing finance has been significantly redeveloped.
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| | Abstract Commercialization of land use in rural area claims the use of land by contract payment is the requirement and inevitable outcome of developing rural market economy. The change from use of land without compensation to transfer with compensation will form the land deployment with effective market mechanism. In promoting the commercialization of land use right, many factors, implications and checks must be considered and measures have to be taken to hasten ist process. | | 我国城镇住房制度改革经过几年的试点探索,取得了一定的进展。但总体上仍处于以公共积累为投资主体,以低租金高福利为消费主导模式的状况。住房制度改革的滞后不仅制约了住房建设的发展,而且牵制着整个改革的进程。本文在分析住房制度现状及弊端的基础上,用定量分析的办法量化出我国城镇住房惊人的福利规模及其增长速度。在比较国外其他国家和地区的居民收入与住房消费结构的基础上,提出我国房租调整的基本目标值。通过比较发达市场经济国家政府住房政策及其演变走向的分析,找出一些共性规律:政府由直接参予住房建设和分配,转换到充分发挥市场机制作用的间接调控;将住房列入社会保障范围,以居者有其屋为目标实现社会稳定;而政府功能的换位和实施住房政策的主要手段是建立可调控的住房金融体系。 | | 文摘来源 | | With commercial and political finance working together, the housing financial system in China has been set up. However the structure, mechanism and political regulations of the housing financial system are not ripe enough. It is necessary to establish a new system with cooperation of housing finance units and insurance units. To develop both its grade 1 and grade 2 markets, strengthen its competitive ability and make it more legal, the housing finance in China will be ripened in the future. | | 中国住房金融业初步形成商业性住房金融和政策性住房金融的融资格局。但中国住房金融体系、运行机制以及政策法规还不完善,可以建立包括政策性、商业性以及合作性的住房金融机构和保险机构在内的住房金融体系,同时要充分发展和完善住房金融的一级、二级市场,加强住房金融市场竞争力,并尽快将其纳入法制化轨道。 | | 文摘来源 | | The paper starts from the basic idea of house financing system and its operational mechanism,then analyzes the problems which exist in our house financing system such as imperfect f inancing system,small scale of mortgage business and uncompleted house -fin ancing law system etc.,and finally,puts forward some good and useful policy suggestions. | | 从介绍住房金融系统及其运行机制出发,就我国住房金融系统中存在的住房金融体系不完善、个人抵押贷款业务难以推行、住房金融市场发育滞后、中介服务功能滞后等问题,提出了一系列有利于完善和发展我国住房金融系统的政策建议。 | | 文摘来源 | |   | | << 更多相关文摘 |
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