【摘要】：住房是現(xiàn)代社會(huì)中居民生活的必需品,保障房體系構(gòu)建惠及民生,關(guān)乎和諧�！笆濉逼陂g,國(guó)家將基本建設(shè)3600萬(wàn)套保障性安居工程住房,形成市場(chǎng)與保障并行的雙軌制住房供給體系。然而保障性住房具有準(zhǔn)公共物品屬性,消費(fèi)群體主要集中于中低收入者,其對(duì)金融資源的吸引力度不強(qiáng),很難形成資源集聚,影響保障性住房的健康發(fā)展。 文章從金融支持的視角,以保障性住房為研究對(duì)象,首先根據(jù)研究目的和內(nèi)容來(lái)查找資料,確定所研究的問(wèn)題和采用的方法；其次,對(duì)中國(guó)保障性住房變革及運(yùn)行機(jī)制進(jìn)行剖析,明晰所研究問(wèn)題的整個(gè)社會(huì)環(huán)境背景,給出研究的切入點(diǎn)和研究所依據(jù)的原理；再次,在分析保障性住房參與決策主體的基礎(chǔ)上,運(yùn)用完全信息動(dòng)態(tài)博弈理論構(gòu)建模型,探討政府主導(dǎo)下保障性住房運(yùn)行中的資金困境；最后,從政府的角度,通過(guò)灰色系統(tǒng)模型量化分析了中國(guó)保障性住房金融支持的實(shí)際可行路徑,得出相應(yīng)較優(yōu)的保障性住房資金來(lái)源模式。 研究發(fā)現(xiàn),在保障性住房的運(yùn)行體系中,保障性住房總體對(duì)金融資源的吸引力度不強(qiáng),且不同特征形式的保障性住房對(duì)金融資源的吸引力亦有強(qiáng)弱之分,其中兩限房和經(jīng)濟(jì)適用房金融吸引力強(qiáng)于廉租房,廉租房成為保障性住房體系中關(guān)注的重點(diǎn)。同時(shí),由于保障性住房特殊的社會(huì)經(jīng)濟(jì)地位,國(guó)家必須確保保障性住房的穩(wěn)健發(fā)展,這就要求政府以適當(dāng)?shù)姆绞浇槿氡Ｕ闲宰》窟\(yùn)行體系,為保障性住房提供充足的資金支持。然而地方政府和中央政府的利益出發(fā)點(diǎn)和內(nèi)在行為動(dòng)機(jī)不同,保障性住房對(duì)商品性住房需求和資源的雙重?cái)D占造成了地方政府主導(dǎo)下的保障性住房運(yùn)行的資金困境,政府自身無(wú)法解決保障性住房運(yùn)行的強(qiáng)大資金壓力。在一般投資主體中,中低收入家庭只關(guān)心自身住房問(wèn)題能否解決,對(duì)保障性住房的收益和風(fēng)險(xiǎn)并不關(guān)注,而社會(huì)投資群體將投資收益和風(fēng)險(xiǎn)作為決策變量,所以可以考慮讓中低收入群體自身承擔(dān)保障性住房運(yùn)營(yíng)帶來(lái)的風(fēng)險(xiǎn),集中低收入家庭的群體力量解決問(wèn)題,也可以使保障性住房投資的收益與風(fēng)險(xiǎn)均衡吸引社會(huì)投資者。在這樣的情景下,政府只能作為引導(dǎo)者,根據(jù)社會(huì)經(jīng)濟(jì)的總體運(yùn)行狀況和決策最優(yōu)理論,通過(guò)合理的路徑適當(dāng)?shù)囊肷鐣?huì)資金。
[Abstract]:Housing is a necessity for the residents in modern society. The construction of indemnificatory apartment system benefits people's livelihood and is related to harmony. During the "12th Five-Year Plan" period, the state will construct 36 million sets of affordable housing projects, forming a two-track housing supply system with both market and security. However, affordable housing has the property of quasi-public goods, the consumer group is mainly concentrated in the middle and low income group, its attraction to the financial resources is not strong, it is difficult to form the resource agglomeration, which affects the healthy development of the indemnificatory housing. From the perspective of financial support, this paper takes affordable housing as the research object. Firstly, according to the purpose and content of the research to find the data, to determine the problems and methods adopted; secondly, This paper analyzes the reform and operation mechanism of the indemnificatory housing in China, clarifies the whole social environment background of the problems studied, and gives the breakthrough point of the research and the principle of the research. Thirdly, on the basis of the analysis of the main body of the decision making on the participation of the indemnificatory housing, Using the complete information dynamic game theory to build a model to discuss the financial dilemma in the government-led operation of affordable housing. Finally, from the perspective of the government, Based on the grey system model, this paper quantitatively analyzes the practical feasible path of financial support for affordable housing in China, and obtains the corresponding and better funding source model for affordable housing in China. It is found that, in the operational system of the indemnificatory housing, the general attraction of the indemnificatory housing to the financial resources is not strong, and the attractiveness of the different characteristic forms of the indemnificatory housing to the financial resources is also strong or weak. Two housing restrictions and comfortable housing are more attractive than low-rent housing, and low-rent housing has become the focus of attention in the affordable housing system. At the same time, because of the special social and economic status of the indemnificatory housing, the state must ensure the steady development of the indemnificatory housing, which requires the government to intervene in the operation system of the indemnificatory housing in an appropriate way to provide adequate financial support for the indemnificatory housing. However, the local government and the central government have different interest starting points and intrinsic behavior motives. The double crowding of commercial housing demand and resources caused by the local government led to the financial dilemma of the operation of affordable housing. The government itself can not solve the strong financial pressure on the operation of affordable housing. Among the general investment subjects, low- and middle-income families are only concerned about whether their own housing problems can be solved, and do not pay attention to the benefits and risks of affordable housing, while social investment groups take investment returns and risks as decision-making variables. So we can consider to let low and middle income groups bear the risk of affordable housing operation, collect the group strength of low and middle income families to solve the problem, but also make the income and risk of affordable housing investment balanced to attract social investors. In such a situation, the government can only act as a guide, according to the overall operation of the social economy and decision-making optimal theory, through a reasonable path to properly introduce social funds.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.0;F299.23

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