本文選題：住房支付能力 + 保障性住房��； 參考：《華中師范大學(xué)》2013年碩士論文

【摘要】：“十一五”期間,武漢市房地產(chǎn)業(yè)保持較快發(fā)展,居民居住條件不斷改善,但住房供需結(jié)構(gòu)不合理、房?jī)r(jià)的快速增長(zhǎng)、居民貧富差距的擴(kuò)大等因素也制約了住房市場(chǎng)的健康穩(wěn)定發(fā)展。 本文研究了武漢市城鎮(zhèn)居民家庭住房支付能力,并測(cè)算出各收入階層的住房標(biāo)準(zhǔn)。首先,介紹了住房支付能力的定義和測(cè)算方法。其次,分析了武漢市住房市場(chǎng)供給與需求情況和存在的問題。然后,采用靜態(tài)房?jī)r(jià)收入比法、剩余收入法和住房支付能力的不匹配程度法,定量衡量了2011年武漢市各收入階層城鎮(zhèn)居民家庭對(duì)商品住房的支付能力,反映出低收入階層和高收入階層城鎮(zhèn)居民家庭的住房支付能力存在巨大差距,并量化了市場(chǎng)上商品住房的結(jié)構(gòu)供給缺口。同時(shí),采用靜態(tài)房?jī)r(jià)收入比法、動(dòng)態(tài)房?jī)r(jià)收入比法和剩余收入法,以90平方米的商品住房為例,對(duì)2006年—2011年武漢市各收入階層城鎮(zhèn)居民家庭的住房支付能力進(jìn)行測(cè)算和分析,找出各收入階層家庭住房支付能力變化的原因,界定了急需政府提供住房保障的人群。并且運(yùn)用靜態(tài)房?jī)r(jià)收入比和剩余收入法,衡量了中低收入戶對(duì)保障性住房的支付能力,定量測(cè)算出經(jīng)濟(jì)適用住房平均單價(jià)最高不得超過(guò)3528.12元,合理的住房面積標(biāo)準(zhǔn)范圍為[52.37,62.82]平方米,若逐步提高家庭人均月可支配收入標(biāo)準(zhǔn)至900元左右,就能夠?qū)⒏嗟牡褪杖霊艏{入到保障范圍中來(lái)；按照“先繳后補(bǔ)”的明補(bǔ)方式,低收入戶、中等偏下收入戶、中等收入戶和住房困難標(biāo)準(zhǔn)家庭對(duì)公共租賃房支付的最高月租金額分別為26.28元／平方米、39.45元/平方米、39.28元/平方米、39.87元／平方米；中心城區(qū)的低保標(biāo)準(zhǔn)應(yīng)達(dá)到470元以上,廉租住房的租金補(bǔ)貼標(biāo)準(zhǔn)必須達(dá)到人均每月23元／平方米以上。最后提出提高城鎮(zhèn)居民住房支付能力的途徑有：調(diào)整住房供應(yīng)結(jié)構(gòu)；采取措施穩(wěn)定住房市場(chǎng)價(jià)格；控制高收入家庭收入,增加中低收入家庭收入；加大金融機(jī)構(gòu)對(duì)居民家庭住房購(gòu)買的支持力度。 本文從宏觀和微觀、供給和需求等多角度對(duì)武漢市各收入階層城鎮(zhèn)居民家庭的住房支付能力進(jìn)行分析,有助于全面了解現(xiàn)階段他們的住房情況,為政府制定多層次住房體系和完善住房政策(尤其是保障性住房政策)、房地產(chǎn)企業(yè)投資決策和城鎮(zhèn)居民家庭合理的住宅梯度消費(fèi)提供參考。
[Abstract]:During the 11th Five-Year Plan period, the real estate industry in Wuhan has maintained a relatively rapid development, and the living conditions of residents have been continuously improved, but the structure of housing supply and demand is unreasonable, and housing prices are increasing rapidly. The widening gap between the rich and the poor also restricts the healthy and stable development of the housing market. This paper studies the housing affordability of urban residents in Wuhan, and calculates the housing standards of each income class. First of all, it introduces the definition and measurement method of housing ability to pay. Secondly, it analyzes the supply and demand of Wuhan housing market and the existing problems. Then, by using the static house price income ratio method, the residual income method and the mismatch degree method of housing payment ability, the paper quantitatively measures the ability of urban households of different income groups to pay for commodity housing in Wuhan in 2011. It reflects that there is a huge gap in housing affordability between low-income and high-income urban households, and quantifies the structural supply gap of commodity housing in the market. At the same time, by using static house price income ratio method, dynamic house price income ratio method and surplus income method, taking 90 square meters of commodity housing as an example, this paper calculates and analyzes the housing affordability of urban residents of different income classes in Wuhan from 2006 to 2011. To find out the reasons for the change of housing affordability of families at different income levels, and define the people in urgent need of government housing security. And by using the static housing price income ratio and surplus income method, the paper measures the ability of middle and low income households to pay for affordable housing, and calculates quantitatively that the highest average unit price of affordable housing must not exceed 3528.12 yuan. The reasonable standard range of housing area is [52.37 / 62.82] square meters. If the monthly disposable income standard of households is gradually raised to about 900 yuan, more low-income households will be able to be included in the scope of security. The maximum monthly rent paid by low-income households, middle income households and housing standard families for public rental housing is 26.28 yuan / square meter 39.45 yuan / square meter and 39.28 yuan / square meter / square meter respectively; The minimum living standard of the central urban area should reach 470 yuan or more, and the rent subsidy standard of low rent housing must reach 23 yuan / square meter per month per person. Finally, the ways to improve the housing affordability of urban residents are as follows: adjusting the housing supply structure, taking measures to stabilize the housing market price, controlling the income of high-income families and increasing the income of low- and middle-income families; Increase financial institutions to the purchase of household housing support. This paper analyzes the housing affordability of urban residents of different income classes in Wuhan from macro and micro perspectives, supply and demand, which is helpful to understand their housing situation at the present stage. It provides a reference for the government to formulate multi-level housing system and perfect housing policy (especially the indemnificatory housing policy), the investment decision of real estate enterprises and the reasonable residential gradient consumption of urban households.
【學(xué)位授予單位】：華中師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F299.27

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