本文選題：住房專項(xiàng)維修資金 + 管理模式��； 參考：《西南政法大學(xué)》2014年碩士論文

【摘要】：我國法律法規(guī)對個(gè)人住房專項(xiàng)維修資金如何交存、如何管理和如何使用已做出初步規(guī)定，，但未規(guī)定統(tǒng)一管理模式；實(shí)務(wù)操作中，這不能確保個(gè)人住房專項(xiàng)維修資金的安全管理和正常使用。為此，理論界對其管理模式進(jìn)行了諸多探討，但爭議仍然存在。本文為保障業(yè)主的合法權(quán)益，提出政府主導(dǎo)、銀行服務(wù)、業(yè)主知情的個(gè)人住房專項(xiàng)維修資金管理新模式。 除引言和結(jié)語外，全文分三個(gè)部分，約2.6萬字。 第一部分為個(gè)人住房專項(xiàng)維修資金管理模式概述，包括住房專項(xiàng)維修資金的法律內(nèi)涵、特殊性和法定管理模式。個(gè)人住房專項(xiàng)維修資金是專項(xiàng)用于個(gè)人住房共用部位、共用設(shè)施設(shè)備保修期滿后的維修和更新、改造的資金；具有預(yù)備性、公共性、限制性和易陷入“準(zhǔn)公共物品”的困境；其法定管理模式為業(yè)主大會(huì)成立前由政府房地產(chǎn)主管部門管理，業(yè)主大會(huì)成立后由業(yè)主自行決定管理主體。 第二部分為我國個(gè)人住房專項(xiàng)維修資金管理模式分析。我國法定管理模式下形成了政府繼續(xù)代管、物業(yè)服務(wù)企業(yè)代管和業(yè)主自管三種管理方式；我國法定管理模式存在管理主體多樣、專戶銀行選定混亂、收繳單位雜亂、專項(xiàng)資金籌集難和專項(xiàng)資金保值增值難五方面的問題；業(yè)主自管存在業(yè)主委員會(huì)法律地位不明確和業(yè)主自治能力欠缺的不足；物業(yè)服務(wù)企業(yè)代管存在追求利益最大化和承擔(dān)責(zé)任有限的問題。 第三部分構(gòu)建了政府主導(dǎo)、銀行服務(wù)、業(yè)主知情的個(gè)人住房專項(xiàng)維修資金新型管理模式。本部分闡述了個(gè)人住房專項(xiàng)維修資金管理新模式的籌集、管理和房屋所有權(quán)轉(zhuǎn)移引起的資金處理三方面的內(nèi)容。個(gè)人住房專項(xiàng)維修資金的管理主體為政府房地產(chǎn)主管部門、專戶管理銀行和業(yè)主：政府居于主導(dǎo)地位，負(fù)責(zé)宣傳和推廣、采用“定活存儲(chǔ)”的方式進(jìn)行經(jīng)營、選定專戶管理銀行和建立檔案；銀行是服務(wù)機(jī)構(gòu)，負(fù)責(zé)收存?zhèn)�人住房專項(xiàng)維修資金，開設(shè)專戶存儲(chǔ)賬戶和輔助建立查詢平臺(tái)；業(yè)主享有知情權(quán)、監(jiān)督權(quán)。關(guān)于資金的首期交存，收繳單位為專戶管理銀行，業(yè)主為交存主體，以建安成本和實(shí)測面積為交存金額的計(jì)算基礎(chǔ)，交存時(shí)間為辦理房屋入住手續(xù)前，并采用一次交足的交存方式。住房所有權(quán)轉(zhuǎn)移引起的住房專項(xiàng)維修資金處理應(yīng)遵循“金房一體”的轉(zhuǎn)移原則。 本文通過分析個(gè)人住房專項(xiàng)維修資金的特殊性和法定管理模式存在的問題及原因，提出政府主導(dǎo)、銀行服務(wù)、業(yè)主知情的個(gè)人住房專項(xiàng)維修資金管理新模式。文章的創(chuàng)新點(diǎn)在于：摒棄了大而空的純理論研究，從實(shí)踐出發(fā)，構(gòu)建一種新型管理模式，應(yīng)用性強(qiáng)；文章提出的由銀行發(fā)卡到所有權(quán)人、定活存儲(chǔ)的投資經(jīng)營方式和建立住房專項(xiàng)維修資金檔案的管理舉措，目前尚無法律或規(guī)章明文規(guī)定。
[Abstract]:China's laws and regulations on how to deposit personal housing special maintenance funds, how to manage and how to use has made a preliminary provision, but there is no unified management model; in practice, This can not ensure the personal housing maintenance funds security management and normal use. Therefore, the theory circle has carried on the many discussion to its management pattern, but the dispute still exists. In order to protect the legal rights and interests of the owners, this paper puts forward a new mode of management of special maintenance funds for individual housing, which is led by the government, provided by the bank and informed by the owners. In addition to the introduction and conclusion, the full text is divided into three parts, about 26000 words. The first part is an overview of individual housing special maintenance fund management model, including the legal connotation, particularity and legal management model of housing special maintenance funds. The special maintenance fund of individual housing is the fund that is specially used for the maintenance, renewal and renovation after the expiration of the guarantee for the common parts of the individual housing and the common facilities and equipment, which is preparatory, public, restrictive and easy to fall into the dilemma of "quasi-public goods". The statutory management mode is that the owners' Congress is managed by the government real estate department before the establishment of the owners' Congress, and the owners' meeting is decided by the owners themselves after the establishment of the owners' Congress. The second part is the analysis of the fund management mode of the special maintenance of individual housing in our country. Under the legal management mode of our country, there are three kinds of management modes: the government continues to manage, the property service enterprise and the owner manage themselves, the legal management mode of our country has a variety of management subjects, the choice of special account banks is chaotic, and the collection units are chaotic. It is difficult to raise special funds and maintain and increase the value of special funds in five aspects: the owners' self-management is not clear about the legal status of the owners' committee and the lack of the owner's autonomy ability; Property service enterprise escrow exists the problem of pursuing profit maximization and undertaking limited responsibility. The third part constructs the new management mode of government-led, bank service and owner-informed personal housing special maintenance fund. This part describes the new management model of personal housing special maintenance fund management and housing ownership transfer caused by the three aspects of funds processing. The main management body of individual housing special maintenance fund is the government real estate department, the special account manages the bank and the owner: the government occupies the leading position, is responsible for propaganda and promotion, uses the "fixed live storage" way to carry on the operation, Select special account to manage bank and establish archives; Bank is the service organization, which is responsible for depositing personal housing special maintenance fund, opening special account and setting up inquiry platform; the owner has the right to know and supervise. With regard to the deposit of funds in the first instalment, the collection unit shall be a special account management bank, and the owner shall be the principal depositor. The basis of calculation of the deposit amount shall be the cost of Jian'an and the measured area, and the time of deposit shall be before the formalities for housing occupancy, The deposit shall be made on a one-off basis. Housing ownership transfer caused by housing special maintenance funds should follow the "golden house" transfer principle. By analyzing the particularity of individual housing special maintenance fund and the problems and reasons of legal management mode, this paper puts forward a new mode of personal housing special maintenance fund management, which is led by the government, provided by the bank service and informed by the owner. The innovation of the article lies in: abandoning the large and empty pure theoretical research, starting from practice, constructing a new management mode, which has strong application, and putting forward the idea of issuing cards from banks to owners. At present, there are no laws or regulations on the management of the investment and management mode of fixed-live storage and the establishment of housing special maintenance fund files.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.29;F299.23

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