本文關(guān)鍵詞： 住房公積金 保障性住房 建設(shè)貸款　出處：《山西財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來,由于我國(guó)商品房?jī)r(jià)格的飆升,中低收入家庭的住房問題逐步顯現(xiàn),“住房”成為國(guó)內(nèi)民生所關(guān)注的熱點(diǎn)。為了解決國(guó)內(nèi)中低收入家庭的住房困難,我國(guó)政府持續(xù)加大對(duì)保障性住房的投資力度。各類保障性住房經(jīng)多年的建設(shè),在部分地區(qū)一定程度上解決了當(dāng)?shù)鼐用竦淖》坷щy、改善了他們的住房環(huán)境,但從全國(guó)范圍來看,我國(guó)的保障性住房建設(shè)仍然發(fā)展較為緩慢,存在著供不應(yīng)求的局面,而制約我國(guó)保障性住房發(fā)展的關(guān)鍵環(huán)節(jié)在于建設(shè)資金的缺乏,與之形成強(qiáng)烈對(duì)比的是我國(guó)住房公積金出現(xiàn)大量閑置資金,資金的使用率低下,導(dǎo)致住房公積金資金的保值增值得不到保障。因此,本文對(duì)我國(guó)住房公積金支持保障性住房建設(shè)這一政策的實(shí)施進(jìn)行了相應(yīng)的研究。 本文通過文獻(xiàn)回顧的方法綜合了國(guó)內(nèi)多位專家、學(xué)者研究成果,從我國(guó)住房公積金制度和保障性住房建設(shè)兩個(gè)角度入手,分別進(jìn)行闡述,然后將二者結(jié)合用以分析住房公積金支持保障性住房建設(shè)的必要性與可行性。不僅將此政策的發(fā)展歷程進(jìn)行回顧,而且對(duì)于國(guó)內(nèi)各試點(diǎn)城市的建設(shè)情況利用實(shí)際數(shù)據(jù)分析方法進(jìn)行對(duì)比分析,之后總結(jié)出各試點(diǎn)城市在執(zhí)行此項(xiàng)政策上普遍存在與遇到的問題,并利用AHP層次分析法對(duì)影響政策實(shí)施的主要因素進(jìn)行排列,明確了其關(guān)鍵影響因素。在對(duì)國(guó)外相關(guān)住房建設(shè)經(jīng)驗(yàn)的闡述上運(yùn)用了總結(jié)歸納法,從立法、專業(yè)管理機(jī)構(gòu)設(shè)置等多角度對(duì)我國(guó)住房公積金支持保障性住房建設(shè)提供借鑒。最后提出了符合我國(guó)國(guó)情相應(yīng)的對(duì)策建議。 本文對(duì)我國(guó)住房公積金支持保障性住房建設(shè)的第二批部分試點(diǎn)城市建設(shè)情況進(jìn)行了相應(yīng)闡述,這是目前國(guó)內(nèi)相關(guān)文章所未曾提及的,筆者希望此部分對(duì)以后他人研究具有借鑒意義,同時(shí)文章內(nèi)運(yùn)用了AHP層次分析法對(duì)政策的主要影響因素的權(quán)重進(jìn)行排序,明確其關(guān)鍵影響因素,所提出的對(duì)策建議應(yīng)更具針對(duì)性。
[Abstract]:In recent years, due to the soaring price of commercial housing in China, the housing problem of low- and middle-income families has gradually become apparent. "Housing" has become a focus of concern for the people's livelihood in China. In order to solve the housing difficulties of low-income families in China, The Chinese government has continuously increased its investment in affordable housing. After years of construction, various types of affordable housing have to some extent solved the housing difficulties of local residents and improved their housing environment. But from a nationwide perspective, The construction of affordable housing in our country is still developing slowly, and there is a situation that the supply exceeds the supply. The key link of restricting the development of the affordable housing in our country lies in the lack of construction funds. In contrast, China's housing provident fund has a large number of idle funds, and the utilization rate of the funds is low, resulting in the preservation and increase of the value of housing provident fund funds are not guaranteed. This paper has carried on the corresponding research to our country housing accumulation fund to support the safeguard housing construction this policy implementation. This paper synthesizes the research results of many domestic experts and scholars through the method of literature review, starting with the housing accumulation fund system and the construction of affordable housing in China, respectively. Then combine the two to analyze the necessity and feasibility of housing accumulation fund to support the construction of affordable housing, not only to review the development of this policy, Moreover, the construction situation of each pilot city in China is compared and analyzed by using the method of actual data analysis, and then the problems that exist and encounter in the implementation of this policy in each pilot city are summarized. The main factors affecting the implementation of the policy are arranged by AHP Analytic hierarchy process (AHP), and the key influencing factors are clarified. In the elaboration of the relevant housing construction experience of foreign countries, the inductive method is used to legislate. The establishment of professional management organization provides a reference for the housing accumulation fund to support the construction of affordable housing in our country. Finally, the corresponding countermeasures and suggestions in accordance with the national conditions of our country are put forward. This article has carried on the corresponding elaboration to our country housing accumulation fund to support the indemnificatory housing construction the second batch of pilot cities construction situation, this is the present domestic related article has not mentioned, The author hopes that this part can be used for reference by others in the future. At the same time, the paper uses AHP analytic hierarchy process (AHP) to rank the weight of the main influencing factors of the policy and make clear the key influencing factors. The countermeasures and suggestions should be more targeted.
【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】：2014
【分類號(hào)】：F299.23

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