本文選題：住房公積金　切入點(diǎn)：保障性住房　出處：《山西財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：作為我國住房保障制度的重要構(gòu)成——保障性住房,是解決我國城鎮(zhèn)居民,尤其是中低收入群體住房困難問題的主要制度。由于其自身的建設(shè)特點(diǎn),如投資周期長、投資規(guī)模大等,導(dǎo)致資金回報(bào)率相對(duì)較低,決定了建設(shè)資金來源成為了保障性住房發(fā)展的關(guān)鍵所在。與此同時(shí),住房保障制度中的另一項(xiàng)重要構(gòu)成——住房公積金政策,現(xiàn)階段卻存在資金結(jié)余量大的問題。這不僅導(dǎo)致資金使用效率低下,而且也無法真正發(fā)揮住房公積金政策的保障作用。針對(duì)現(xiàn)階段存在的一系列問題,國家提出住房公積金支持保障性住房建設(shè)的政策,并選取部分城市進(jìn)行了試點(diǎn)工作,以拓寬保障性住房的建設(shè)資金來源渠道,提升住房公積金的資金使用效率,更好地滿足住房困難群體的住房需求。本文主要采用實(shí)證分析方法,就西安市住房公積金支持保障性住房的建設(shè)過程進(jìn)行研究,分析政策實(shí)施過程中存在的問題,并通過借鑒國內(nèi)其他試點(diǎn)城市的成功建設(shè)經(jīng)驗(yàn),針對(duì)性地提出對(duì)策建議。首先,對(duì)公積金支持保障房建設(shè)的相關(guān)理論、政策演進(jìn)、西安市住房市場(chǎng)環(huán)境、住房公積金運(yùn)行情況、保障性住房供需現(xiàn)狀進(jìn)行了回顧,為論文后續(xù)部分的寫作提供理論基礎(chǔ)。其次,闡述了西安市公積金支持保障房建設(shè)的基本情況,并分批次對(duì)西安市23個(gè)試點(diǎn)項(xiàng)目的資金情況、建設(shè)情況進(jìn)行了分析,提出了試點(diǎn)項(xiàng)目在實(shí)際運(yùn)行過程中存在的問題,主要有:政策運(yùn)行過程粗放、基礎(chǔ)管理缺位、資金安全性不足及公積金個(gè)人業(yè)務(wù)受限。再次,針對(duì)西安市在試點(diǎn)項(xiàng)目建設(shè)過程中存在的問題,選取北京、大連、重慶三大試點(diǎn)城市,對(duì)上述試點(diǎn)城市公積金支持保障房的建設(shè)經(jīng)驗(yàn)進(jìn)行了介紹,并結(jié)合西安市實(shí)際情況提出試點(diǎn)項(xiàng)目經(jīng)驗(yàn)借鑒,為文末的政策建議部分提供參考。最后,根據(jù)西安市存在的實(shí)際問題,結(jié)合北京、大連、重慶三地的建設(shè)經(jīng)驗(yàn),從細(xì)化政策運(yùn)行過程、加強(qiáng)基礎(chǔ)管理、降低資金風(fēng)險(xiǎn)、完善配套措施四方面提出對(duì)策建議,細(xì)化政策運(yùn)行過程方面主要包括:構(gòu)建信息公開平臺(tái),加強(qiáng)信息披露、完善項(xiàng)目融資渠道,健全項(xiàng)目回款制度、加快基本配套設(shè)施建設(shè)進(jìn)度。而完善配套措施則主要包括明確貸款比例、明確試點(diǎn)項(xiàng)目基本建設(shè)要求兩大方面。本文的主要?jiǎng)?chuàng)新之處在于:以西安市為主要分析對(duì)象,對(duì)西安市公積金支持保障房建設(shè)情況進(jìn)行了詳細(xì)分析;根據(jù)試點(diǎn)項(xiàng)目的運(yùn)行過程,針對(duì)性地提出其中存在的問題,并在結(jié)合試點(diǎn)城市成功建設(shè)經(jīng)驗(yàn)的基礎(chǔ)上,提出了促進(jìn)政策實(shí)施的對(duì)策建議。
[Abstract]:Because of its own construction characteristics, such as long investment cycle, large investment scale and so on, the return on capital is relatively low, which determines that the source of construction funds has become the key to the development of affordable housing.At the same time, another important component of housing security system-housing provident fund policy, but there is a large amount of fund balance problem.This not only leads to inefficient use of funds, but also can not really play the role of housing provident fund policy protection.In view of a series of problems existing at the present stage, the state put forward the policy of housing accumulation fund to support the construction of affordable housing, and selected some cities to carry out pilot work in order to broaden the funding sources for the construction of affordable housing.Improve the fund efficiency of housing accumulation fund, better meet the housing needs of housing groups.This article mainly adopts the empirical analysis method, carries on the research to the Xi'an housing accumulation fund to support the indemnificatory housing construction process, analyzes the question in the policy implementation process, and through drawing lessons from the domestic other pilot cities' successful construction experience,Put forward countermeasures and suggestions pertinently.First of all, the paper reviews the relevant theories, policy evolution, housing market environment, housing accumulation fund operation, and the supply and demand situation of indemnificatory housing in Xi'an, which provides the theoretical basis for the following part of the thesis.Secondly, it expounds the basic situation of Xi'an provident fund supporting indemnificatory apartment construction, and analyzes the fund and construction situation of 23 pilot projects in Xi'an in batches, and puts forward the problems existing in the actual operation of the pilot project.There are: policy operation process extensive, lack of basic management, lack of fund security and provident fund personal business constraints.Thirdly, in view of the problems existing in the construction of pilot projects in Xi'an City, selected three pilot cities, Beijing, Dalian and Chongqing, introduced the experience of supporting indemnificatory apartment in the construction of the above pilot cities' provident fund.Combined with the actual situation of Xi'an, the experience of the pilot project is proposed to provide reference for the policy recommendations at the end of the paper.Finally, according to the practical problems existing in Xi'an city, combined with the construction experience of Beijing, Dalian and Chongqing, this paper puts forward four countermeasures and suggestions from four aspects: refining the process of policy operation, strengthening the basic management, reducing the capital risk, and perfecting the supporting measures.The detailed process of policy operation mainly includes: constructing information open platform, strengthening information disclosure, perfecting project financing channel, perfecting project payback system, speeding up the construction progress of basic supporting facilities.The perfect supporting measures mainly include the proportion of loans and the capital construction requirements of the pilot project.The main innovations of this paper are as follows: taking Xi'an as the main analysis object, this paper makes a detailed analysis of the construction of Xi'an provident fund supporting indemnificatory apartment, and puts forward the existing problems according to the operation process of the pilot project.On the basis of the successful construction experience of the pilot cities, the countermeasures and suggestions to promote the implementation of the policy are put forward.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F299.23;F832.479;D632.1

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