本文關(guān)鍵詞：天津市住房公積金貸款問(wèn)題研究　出處：《天津大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

  更多相關(guān)文章： 天津市住房公積金 個(gè)人貸款 保障性住房

【摘要】：在我國(guó)當(dāng)前國(guó)情下，解決居民住房建設(shè)和職工住房資金的問(wèn)題，主要是靠現(xiàn)行的公積金制度來(lái)作為強(qiáng)有力的后盾。由于公積金貸款制度的不完善，在使用過(guò)程中出現(xiàn)了一些問(wèn)題，，就需要我們及時(shí)進(jìn)行改進(jìn)。個(gè)人貸款業(yè)務(wù)方面現(xiàn)存在以下幾點(diǎn)問(wèn)題急需解決：銀行和開(kāi)發(fā)商在辦理公積金貸款業(yè)務(wù)時(shí)不能積極主動(dòng)的配合；在買(mǎi)房負(fù)擔(dān)已經(jīng)很沉重的今天，還要承擔(dān)較高的擔(dān)保費(fèi)；對(duì)于收入水平較低的居民而言沒(méi)有真正解決住房問(wèn)題；沒(méi)有科學(xué)合理的公積金存款、貸款利率設(shè)置。個(gè)人貸款業(yè)務(wù)存在以上幾點(diǎn)問(wèn)題的主要原因是：首先從微觀上來(lái)分析，我國(guó)公積金制度對(duì)當(dāng)前的貸款需求細(xì)分不到位，而且對(duì)主管公積金貸款業(yè)務(wù)的部門(mén)沒(méi)有設(shè)置任何靈活操作的權(quán)限。其次再?gòu)暮暧^上進(jìn)行分析，公積金貸款制度對(duì)收入較低人群有不適用的現(xiàn)象，公積金對(duì)職能定位不夠明確。公積金制度在解決居民住房建設(shè)方面也存在著幾點(diǎn)不足：對(duì)利益分配不能做到科學(xué)合理、沒(méi)有健全的法律政策作為依據(jù)、對(duì)于負(fù)責(zé)建設(shè)資金監(jiān)管的部門(mén)沒(méi)有準(zhǔn)確清晰的職責(zé)定位。 通過(guò)上述對(duì)公積金現(xiàn)存問(wèn)題的分析，本文認(rèn)為應(yīng)該找到合理有效的解決辦法。本文從公積金管理制度的微觀環(huán)境提出一些新辦法，讓其能夠解決制度不夠細(xì)分、沒(méi)有靈活操作權(quán)限的問(wèn)題。從放貸條件、放貸種類(lèi)和增值收益與補(bǔ)息等方面，適當(dāng)向收入較低的家庭作調(diào)整；研究存款利息高、貸款利息低的新制度；初步嘗試抵押貸款證券化和國(guó)有化的擔(dān)保體系減少擔(dān)保費(fèi)用；改善并健全壓力制度和動(dòng)力制度，充分調(diào)動(dòng)開(kāi)發(fā)商與銀行之間的良性競(jìng)爭(zhēng)。在保障居民基本住房建設(shè)方面，本文從宏觀的立腳點(diǎn)探索，應(yīng)如何對(duì)法律政策制定健全合理的監(jiān)管機(jī)制，即設(shè)立統(tǒng)一的管理部門(mén)；對(duì)配套政策的繼續(xù)完善和健全；對(duì)保障性住房的監(jiān)管部門(mén)和制度要繼續(xù)完善等。
[Abstract]:Under the current situation of our country, to solve the problems of housing construction and housing funds of workers and staff, we mainly rely on the current provident fund system to act as a strong backing, because of the imperfect loan system of the accumulation fund. Some problems have arisen in the course of use. Need us to improve in time. Personal loan business there are the following problems need to be resolved: banks and developers in the processing of provident fund loan business can not actively cooperate; In the purchase of housing burden has been very heavy today, but also to bear a higher guarantee fee; For the lower income level of residents, there is no real solution to the housing problem; There is no scientific and reasonable accumulation fund deposit, loan interest rate set. Personal loan business has the above several main reasons: first from the micro analysis. China's provident fund system does not subdivide the current loan demand in place, and the department in charge of provident fund loan business has no authority to operate flexibly. Secondly, the macro analysis is carried out. The provident fund loan system does not apply to the lower income group. Provident fund is not clear about its function. There are also several deficiencies in the system of accumulation fund in solving the housing construction of residents: the distribution of benefits can not be scientific and reasonable, and there is no sound legal policy as the basis. For the department responsible for the supervision of construction funds, there is no accurate and clear responsibilities. Through the above analysis of the existing problems of the provident fund, this paper believes that we should find a reasonable and effective solution. This paper puts forward some new methods from the micro-environment of the provident fund management system. It can solve the problem that the system is not subdivided and there is no flexible operation authority. From the aspects of loan conditions, loan types, value-added income and interest supplement, it can be adjusted to the families with lower income; To study the new system of high deposit interest rate and low loan interest rate; The initial attempt to mortgage securitization and nationalization of the guarantee system to reduce the guarantee costs; Improve and perfect the pressure system and power system, fully mobilize the healthy competition between developers and banks. How to establish and perfect the reasonable supervision mechanism for the legal policy, that is, to set up a unified management department; Continue to improve and improve the supporting policies; The supervision department and system of indemnificatory housing should continue to perfect and so on.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F299.233.4;F832.479

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 周漢林;學(xué)習(xí)新加坡經(jīng)驗(yàn) 創(chuàng)新公積金制度[J];中國(guó)房地產(chǎn);2003年11期

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