本文關(guān)鍵詞： 保障性住房 融資 民間資本 貸款擔保體系　出處：《浙江工業(yè)大學》2014年碩士論文　論文類型：學位論文

【摘要】：近年來,隨著我國經(jīng)濟快速發(fā)展,群眾的住房問題已經(jīng)成為經(jīng)濟社會發(fā)展中的一大民生工程。中央明確提出加快推進城市化進程的號召之后,廣大群眾對保障房的剛性需求日益增加,對生活質(zhì)量提高日益迫切。但在保障房建設的過程中,龐大的資金缺口是不可回避的現(xiàn)實問題。因此,有效的融資模式、合理的資本結(jié)構(gòu)是推進保障房建設的首要前提,也是保障房建設的成敗關(guān)鍵。本文從我國當前保障房建設的實際情況著手。首先,對我國保障房建設的社會背景和現(xiàn)實意義等方面做了闡述,進一步理清研究思路及框架。其次,對保障房融資體系的有關(guān)概念做了介紹,并選取了英國、日本、新加坡和荷蘭這四個比較有代表性的金融體系較為完善,融資體系較為健全的國家,分別進行研究,仔細鑒別他們直接的共同點和不同之處,以為我國融資模式建立和完善作為重要參考依據(jù)。再次,對我國保障房建設的發(fā)展歷程和存在問題及根源進行分析,并提出我國保障房建設融資方面的意見建議,包括在融資模式上、融資渠道上、政策體系上等方面進行探索和研究。然后,通過溫州本地XX小區(qū)的案例分析,對某一模式進行了深入、全面的總結(jié)和分析,為我國的保障房建設融資提供現(xiàn)實參考作用。最后,結(jié)合上述的分析,得出在保障房融資模式上,要轉(zhuǎn)變?nèi)谫Y的結(jié)構(gòu),由政府主要財政投入向政府與企業(yè)、社會互相合作發(fā)展；并豐富項目融資模式,擴大項目融資領(lǐng)域；深挖資本市場的潛力,包括基金、保險、債券,使資本市場充分參與保障房建設；要細化政府、企業(yè)、社會等之間,在保障房建設中的職責,分工合作,保障投資方的利益。同時,明確下階段需要研究和探索的領(lǐng)域。
[Abstract]:In recent years, with the rapid development of China's economy, the housing problem has become a major livelihood projects in the economic and social development. The central government clearly put forward to accelerate the process of the city after the call, the rigid demand of the masses of low-income housing is increasing, to improve the quality of life is more and more urgent. But in the process of the construction of low-income housing and the huge funding gap is unavoidable. Therefore, effective financing mode, rational capital structure is to promote the protection of housing construction premise, is also the key to ensure the success of the housing construction. In this paper, the current situation in our country from the start of the construction of low-income housing. First of all, on China's low-income housing construction society the background and practical significance are expounded, further clarify the research ideas and framework. Secondly, the concept of low-income housing financing system is introduced, and the selection of Britain, Japan, Singapore Holland and the four representative of the financial system is relatively perfect, national financing system more perfect, to study respectively, carefully identify their common points and differences directly, for our country to establish and perfect the financing mode as an important reference. Thirdly, the course of development of China's low-income housing construction and the existing problems and the causes are analyzed, and put forward our low-income housing construction financing opinions and suggestions, including the financing mode, financing channels, policy system aspects of exploration and research. Then, through the Wenzhou local XX cell case analysis of a model in-depth, comprehensive summary and analysis, provide the reality the reference for our country's low-income housing construction financing. Finally, combined with the above analysis, the low-income housing financing mode, to change the financing structure, mainly by the government financial input to the government With the enterprise, mutual cooperation and social development; and enrich the project financing model, expand the project financing; dig the potential of capital market, including the fund, insurance, bonds, so that the capital market fully participate in the construction of low-income housing; to refine the government, enterprises, social security, in housing construction responsibilities, division of labor, security investment the interests of the party. At the same time, clear the next stage to study and research fields.

【學位授予單位】：浙江工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F299.23;F832.4

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