【摘要】：我國城鎮(zhèn)居民的住房需求隨著城鎮(zhèn)化的快速發(fā)展而不斷增長,但我國絕大部分城市的商品住房價格卻居高不下,已遠不在城鎮(zhèn)低收入居民的可承受范圍之內(nèi),這導(dǎo)致了大多數(shù)城鎮(zhèn)低收入者依然無法擁有適宜的住房。因此,幫助城鎮(zhèn)低收入者實現(xiàn)“住有所居”既是我國政府在社會保障領(lǐng)域施政的重點,也是國內(nèi)學(xué)術(shù)界研究和探索的熱點,這對促進居住和諧有著重要的意義。近年來太原市保障性住房的迅速發(fā)展進一步提升了城鎮(zhèn)居民的居住水平,但仍有很大一部分城鎮(zhèn)低收入者存在住房困難問題,即作為公共租賃住房保障對象的城鎮(zhèn)低收入者仍然存在住房可支付性危機。那么在此背景下,住房保障政策需要面對和解決的是,如何量化該群體租賃公租房的住房支付能力、其居住支付缺口為多少及與住房保障需求的關(guān)系等一系列問題。本文首先以一定的理論研究作為支撐,定義了城鎮(zhèn)低收入者、住房支付能力及住房保障需求的基本內(nèi)涵及特征;其次以分析太原市自然社會經(jīng)濟狀況為宏觀基礎(chǔ),對太原市城鎮(zhèn)低收入者的居住狀況、住房消費能力及住房消費理念狀況進行了圖表分析�；谑杖胗囝~指標(biāo)的思路,從居住支出能力及租賃公租房的居住成本兩大方面對太原市城鎮(zhèn)低收入者的住房支付能力影響因素進行了研究,并將太原市城鎮(zhèn)低收入者住房支付能力的研究建立在對其居住支付缺口的量化分析上,從而探討了太原市城鎮(zhèn)低收入者對住房保障政策的補貼需求。最后,本文基于太原市城鎮(zhèn)低收入者住房支付能力的量化研究,提出了創(chuàng)造就業(yè)機會以提高太原市城鎮(zhèn)低收入者住房支付能力、充分發(fā)揮住房公積金對城鎮(zhèn)低收入者的優(yōu)先補貼作用、在詳細測算的基礎(chǔ)上確定住房保障的補貼機制、動態(tài)調(diào)整保障性住房面積準(zhǔn)入標(biāo)準(zhǔn)、優(yōu)先考慮具有特殊成員的住房困難家庭、引導(dǎo)城鎮(zhèn)居民樹立合理的住房消費觀念等合理可行的建議。
[Abstract]:With the rapid development of urbanization, the housing demand of urban residents in China is increasing, but the commodity housing prices in most cities of our country are still high, which is far beyond the affordability of low-income urban residents. This has led to the fact that most low-income people in towns still do not have adequate housing. Therefore, it is not only the focal point of our government's administration in the field of social security, but also the hot spot of research and exploration in the domestic academic circles to help the low-income people in cities and towns to realize "living and living", which is of great significance to promote the harmony of residence. In recent years, the rapid development of affordable housing in Taiyuan has further improved the living standard of urban residents, but there are still a large number of low-income people in cities and towns who have housing difficulties. That is, the housing affordability crisis still exists among the low-income urban residents who are the object of public rental housing security. In this context, the housing security policy needs to face and solve a series of problems, such as how to quantify the housing payment capacity of the public rental housing group, what is the housing payment gap and the relationship with the housing security demand. Based on a certain theoretical research, this paper defines the basic connotation and characteristics of urban low-income people, housing affordability and housing security needs, and then analyzes the natural social and economic situation of Taiyuan as the macro basis. This paper analyzes the living condition, housing consumption ability and housing consumption concept of low income people in Taiyuan city. Based on the idea of income balance index, this paper studies the factors affecting the housing affordability of urban low-income people in Taiyuan from the two aspects of housing expenditure ability and living cost of renting public rental housing. Based on the quantitative analysis of the housing payment gap of urban low-income people in Taiyuan, this paper discusses the subsidy demand of housing security policy for low-income urban residents in Taiyuan. Finally, based on the quantitative study of the housing affordability of low-income people in Taiyuan, this paper proposes to create employment opportunities to improve the housing affordability of low-income people in Taiyuan. To give full play to the role of housing accumulation fund as a preferential subsidy to low-income people in urban areas, to determine the subsidy mechanism for housing security on the basis of detailed calculation, and to dynamically adjust the admission standards for affordable housing areas. Priority should be given to families with special housing difficulties, and reasonable and feasible suggestions should be made to guide urban residents to establish a reasonable concept of housing consumption.
【學(xué)位授予單位】：山西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F299.23

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本文編號：2260015