本文關(guān)鍵詞：關(guān)于我國(guó)房地產(chǎn)泡沫的法律研究　出處：《河南師范大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 房地產(chǎn) 泡沫 法律完善

【摘要】：在中國(guó)人傳統(tǒng)的思想里，住房是我們?nèi)粘Ｉ钪兄匾囊徊糠�，保障公民的居住�?quán)利，不僅有利于社會(huì)的穩(wěn)定，還有利于經(jīng)濟(jì)的發(fā)展。我國(guó)自20世紀(jì)90年代末實(shí)施住房制度改革以來，已經(jīng)有十多年的時(shí)間。我國(guó)的房地產(chǎn)業(yè)經(jīng)過快速發(fā)展，已經(jīng)成為我國(guó)經(jīng)濟(jì)發(fā)展的支柱性產(chǎn)業(yè)。商品房逐漸占據(jù)了市場(chǎng)的主體地位。房屋不只是生活資料還具有投資的價(jià)值。近幾年來，雖然國(guó)家出臺(tái)了很多調(diào)控政策，但房?jī)r(jià)還是一路飆升，百姓對(duì)高房?jī)r(jià)的不滿情緒也日益高漲，關(guān)于我國(guó)房地產(chǎn)業(yè)泡沫的探討已經(jīng)成為學(xué)術(shù)界的熱點(diǎn)。 本文分析了我國(guó)房地產(chǎn)發(fā)展的過程，根據(jù)不同年份房地產(chǎn)業(yè)發(fā)展的特點(diǎn)把我國(guó)的房地產(chǎn)業(yè)分為快速發(fā)展、穩(wěn)定發(fā)展、泡沫嚴(yán)重三個(gè)階段。通過對(duì)比美國(guó)、日本、泰國(guó)及中國(guó)香港的房地產(chǎn)泡沫，采用指標(biāo)式的方法，，選用房?jī)r(jià)收入比、房屋租售比及地價(jià)增長(zhǎng)率與GDP增長(zhǎng)率的比值三個(gè)指標(biāo)，論證了我國(guó)房地產(chǎn)業(yè)存在泡沫。分析了產(chǎn)生泡沫的主要原因在于寬松的貨幣環(huán)境造成的投資熱情高漲，銀行也放松銀根，發(fā)放了大量的房地產(chǎn)企業(yè)貸款及個(gè)人住房貸款，導(dǎo)致房?jī)r(jià)大幅上漲，吸引了大量的投機(jī)者，國(guó)外熱錢也大量涌入房地產(chǎn)業(yè)，導(dǎo)致房地產(chǎn)市場(chǎng)價(jià)格與價(jià)值相差甚遠(yuǎn)，房地產(chǎn)業(yè)泡沫嚴(yán)重。 房地產(chǎn)業(yè)是國(guó)家的經(jīng)濟(jì)支柱，一旦出現(xiàn)問題，后果將波及到社會(huì)各個(gè)方面。大量的中產(chǎn)階級(jí)面臨破產(chǎn)，個(gè)人房屋貸款違約率增高，由于房地產(chǎn)業(yè)的低迷，土地價(jià)格受到影響，銀行的土地抵押價(jià)值縮水。社會(huì)貧富差距將進(jìn)一步加大，大量社會(huì)財(cái)富蒸發(fā)，通貨膨脹嚴(yán)重。除此之外，嚴(yán)重的房地產(chǎn)泡沫還會(huì)引起社會(huì)上爛尾樓增多，造成資源浪費(fèi)。 對(duì)此，本文從法律角度的對(duì)這些問題提出解決辦法，提出從土地出讓、開發(fā)施工以及市場(chǎng)流通三個(gè)方面來加強(qiáng)法律監(jiān)管。改變地方政府對(duì)于土地財(cái)政的依賴，通過征收房產(chǎn)稅來增加政府收入，規(guī)范土地出讓流程，立法土地出讓程序。同時(shí)，嚴(yán)格對(duì)房地產(chǎn)開發(fā)企業(yè)的監(jiān)管，嚴(yán)格審查房地產(chǎn)業(yè)開發(fā)企業(yè)的申請(qǐng)資格，完善準(zhǔn)入機(jī)制，嚴(yán)格對(duì)房地產(chǎn)開發(fā)企業(yè)的貸款資金用處進(jìn)行專項(xiàng)監(jiān)督，限制工程抵押等。對(duì)于擴(kuò)大國(guó)家保障房規(guī)模，完善保障房的申請(qǐng)制度。增加投機(jī)者持有房屋的成本，并且完善我國(guó)的住房公積金制度。從而建立起運(yùn)行良好的房地產(chǎn)市場(chǎng)，使其真正成為國(guó)家經(jīng)濟(jì)的支柱產(chǎn)業(yè)。
[Abstract]:In the traditional Chinese thinking, housing is an important part of our daily life, the protection of citizens' right to live is not only conducive to social stability. China has been implementing housing system reform for more than ten years since the end of 1990s. China's real estate industry has undergone rapid development. Commercial housing has gradually occupied the main position of the market. Housing not only means of living but also has the value of investment. In recent years, although the state has issued a lot of regulatory policies. However, the price of real estate is still soaring, the people's discontent about the high house price is also rising day by day, the discussion about the real estate bubble of our country has become the hot spot of the academic circles. This paper analyzes the process of real estate development in China. According to the characteristics of real estate development in different years, the real estate industry in China is divided into three stages: rapid development, stable development and serious bubble. The real estate bubble in Japan, Thailand and Hong Kong, China, adopts the index method, chooses the price income ratio, the housing rental sale ratio and the ratio of the land price growth rate and the GDP growth rate. This paper demonstrates the existence of bubbles in China's real estate industry, and analyzes that the main reasons for the bubbles are the upsurge of investment enthusiasm caused by the loose monetary environment, and the relaxation of banks' monetary resources. Issued a large number of real estate loans and personal housing loans, resulting in a large rise in house prices, attracted a large number of speculators, foreign hot money also poured into the real estate industry. The real estate market price and the value difference is very far, the real estate industry bubble is serious. Real estate is the pillar of the national economy, once problems, the consequences will affect all aspects of society. A large number of middle class face bankruptcy, personal housing loan default rate increased, due to the downturn in the real estate industry. Land prices have been affected, the value of bank land mortgages has shrunk, the gap between the rich and the poor in society will widen further, a large amount of social wealth will evaporate, and inflation will be severe. The serious real estate bubble will also cause the society to increase the number of uncompleted buildings, resulting in a waste of resources. In view of this, this article from the legal point of view of these problems proposed solutions, from the land transfer, development and construction and market circulation to strengthen legal supervision and change the local government on land finance dependence. Through the collection of property tax to increase government revenue, standardize the land transfer process, legislation of land transfer procedures. At the same time, strict supervision of real estate development enterprises, strict examination of the real estate development enterprise application qualifications. Perfect access mechanism, strictly monitor the use of loan funds of real estate development enterprises, limit the project mortgage, etc. To expand the scale of national indemnificatory apartment. Improve indemnificatory apartment's application system, increase the cost of speculators to hold housing, and improve the housing provident fund system in China, so as to establish a well-functioning real estate market. Make it become the pillar industry of national economy really.
【學(xué)位授予單位】：河南師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：D922.29;F299.23

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本文編號(hào)：1422011