發(fā)布時(shí)間：2018-03-13 04:07

  本文選題：烏魯木齊市　切入點(diǎn)：個(gè)人　出處：《新疆大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：住房問題關(guān)乎民生，住房消費(fèi)信貸的發(fā)展有助于改善居民住房條件。烏魯木齊市作為新疆的首府城市，正處于跨越式發(fā)展時(shí)期，居民收入的提高會(huì)激發(fā)其改善住房條件的意愿，而住房消費(fèi)信貸的合理擴(kuò)張會(huì)有助于居民愿望的實(shí)現(xiàn)。 本文將研究對(duì)象定位于烏魯木齊市，與內(nèi)地省會(huì)城市相比，在政治、經(jīng)濟(jì)、社會(huì)、文化等方面，烏魯木齊市有其自身的特點(diǎn)，如經(jīng)濟(jì)社會(huì)發(fā)展比較落后，但發(fā)展速度不斷加快，住房消費(fèi)信貸業(yè)務(wù)起步晚，發(fā)展水平較低，但居民改變自身住房條件的意愿較強(qiáng)。以其為研究對(duì)象，對(duì)烏魯木齊市住房需求情況，，住房消費(fèi)市場(chǎng)情況和住房消費(fèi)信貸市場(chǎng)現(xiàn)狀進(jìn)行了深入分析，并得出烏魯木齊市城市居民有改善住房條件的意愿和條件，此外住房消費(fèi)信貸的發(fā)展有助于城市經(jīng)濟(jì)的發(fā)展。之后，從住房消費(fèi)信貸的需求方和供給方（供給方包括商業(yè)銀行住房按揭市場(chǎng)和委托性個(gè)人住房消費(fèi)信貸市場(chǎng)方面）來對(duì)烏魯木齊住房消費(fèi)信貸的影響因素進(jìn)行了分析，包括居民收入因素、住房?jī)r(jià)格因素、貸款風(fēng)險(xiǎn)因素、市場(chǎng)環(huán)境因素、政策環(huán)境因素等方面，得出烏魯木齊市住房消費(fèi)信貸市場(chǎng)存在的問題和不足，并從微觀角度著重分析了住房消費(fèi)信貸市場(chǎng)的風(fēng)險(xiǎn)。然后，總結(jié)國(guó)外的成功經(jīng)驗(yàn)，如以市場(chǎng)為基礎(chǔ)，政府為主導(dǎo)，制定向中低收入人群傾斜的住房消費(fèi)信貸制度，建立完善的住房消費(fèi)信貸配套的金融市場(chǎng)和風(fēng)險(xiǎn)轉(zhuǎn)移機(jī)制。此外，吸取美國(guó)次貸危機(jī)的深刻教訓(xùn)，在擴(kuò)大住房消費(fèi)信貸，提高居民居住水平的同時(shí)，注重風(fēng)險(xiǎn)的控制，嚴(yán)格按照既定的規(guī)則進(jìn)行信貸活動(dòng)，不輕易放松信貸要求，更不能隨意轉(zhuǎn)移風(fēng)險(xiǎn)。最后，通過上述的理論研究和實(shí)證分析，結(jié)合實(shí)際，提出建議。政府應(yīng)該加大保障性住房建設(shè)，遏制住房投資性需求，健全社會(huì)保障制度以及公積金制度。金融機(jī)構(gòu)應(yīng)提高服務(wù)質(zhì)量，實(shí)行差別化信貸，引導(dǎo)合理住房消費(fèi)，嚴(yán)控信貸風(fēng)險(xiǎn)。消費(fèi)者應(yīng)該及時(shí)轉(zhuǎn)變觀念，形成健康合理的住房消費(fèi)心理，提升自身理財(cái)能力和信用意識(shí)。最終，通過政府、金融機(jī)構(gòu)和消費(fèi)者的共同努力，實(shí)現(xiàn)烏魯木齊市居民住房消費(fèi)信貸的合理擴(kuò)張，實(shí)現(xiàn)廣大居民“居者有其屋”的愿望。
[Abstract]:The housing problem concerns people's livelihood. The development of housing consumption credit helps to improve the housing conditions of residents. Urumqi, as the capital city of Xinjiang, is in a period of leapfrog development, and the increase in residents' income will stimulate their willingness to improve housing conditions. And the reasonable expansion of housing consumption credit will contribute to the realization of residents' aspirations. Compared with the provincial capital city in the interior, Urumqi has its own characteristics in politics, economy, society and culture, such as backward economic and social development. But the development speed is speeding up, the housing consumption credit business starts late, the development level is low, but the residents' willingness to change their own housing conditions is stronger. Taking it as the research object, the housing demand of Urumqi City, The situation of housing consumption market and the current situation of housing consumption credit market are deeply analyzed, and it is concluded that Urumqi city residents have the will and conditions to improve housing conditions. In addition, the development of housing consumer credit is conducive to the development of the urban economy. This paper analyzes the influencing factors of housing consumption credit in Urumqi from the demand-side and supply-side of housing consumption credit (including commercial bank housing mortgage market and entrusted individual housing consumption credit market). Including household income factor, housing price factor, loan risk factor, market environment factor, policy environment factor and so on, the problems and shortcomings of housing consumer credit market in Urumqi are obtained. Then, the paper summarizes the successful experiences of foreign countries, such as the market based, the government as the leading, the housing consumption credit system directed to the low and middle income population. To establish a sound financial market and risk transfer mechanism for housing consumption credit. In addition, drawing on the profound lessons of the sub-prime mortgage crisis in the United States, we should expand the housing consumption credit and improve residents' living standards, while paying attention to risk control. Conduct credit activities strictly in accordance with the established rules, do not relax credit requirements easily, and do not transfer risks at will. Finally, through the above theoretical research and empirical analysis, combining with practice, The government should increase the construction of affordable housing, curb the demand for housing investment, improve the social security system and the system of provident fund. Financial institutions should improve the quality of service, implement differential credit, and guide reasonable housing consumption. Strictly control credit risks. Consumers should change their ideas in time, form healthy and reasonable housing consumption psychology, enhance their financial management ability and credit consciousness. Finally, through the joint efforts of the government, financial institutions and consumers, To realize the reasonable expansion of housing consumption credit in Urumqi, and to realize the desire of the majority of residents to own their houses.
【學(xué)位授予單位】：新疆大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.23;F832.479

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