住房社會保障理論研究與應(yīng)用
發(fā)布時間：2018-08-02 09:00
【摘要】：現(xiàn)階段,我國正處于城市人口快速增加,貧富差距不斷拉大,城市商品住房價格更是高的離譜,因此,中低收入家庭無法通過自身的經(jīng)濟(jì)力量來解決住房問題,住房成了他們生活不能承受之重,出現(xiàn)了“蝸居”、“蟻族”等社會現(xiàn)象。建立住房保障制度,是國家義不容辭的義務(wù)和責(zé)任。 本文通過整理分析了國內(nèi)外學(xué)者研究的住房保障理論和國際住房保障經(jīng)驗,從消費經(jīng)濟(jì)學(xué)、微觀經(jīng)濟(jì)學(xué)、公共管理學(xué)和社會學(xué)等多學(xué)科領(lǐng)域,系統(tǒng)的闡述了支持住房保障制度的理論,其中包括凱恩斯的有效需求理論,西方國家的福利國家理論,住房過濾理論、住房梯度消費理論、公平分配理論、社會排斥理論和居民隔離理論。這些理論和學(xué)說將為我國住房保障體系提供有力的理論指導(dǎo)。從住房保障需求與供給方面,提出了住房保障制度的理論框架,明確了住房保障水平、保障對象和保障規(guī)模。 建立了城鎮(zhèn)居民家庭住房保障收入線模型和住房保障規(guī)模預(yù)測模型。通過比較分析國際住房保障經(jīng)驗,并結(jié)合我國具體國情,根據(jù)城鎮(zhèn)居民住房支付能力和住房保障戶型標(biāo)準(zhǔn),設(shè)計了城鎮(zhèn)居民家庭住房保障線。本文設(shè)計的保障住房戶型標(biāo)準(zhǔn)為,單套住房面積為45平方米、55平方米和65平面三種方案,住房貸款首付比例設(shè)為三成,貸款年限為20年,然后得出購房貸款月還款額,進(jìn)而得到年還款額,最后將年還款額除以住房消費收入比(取40%),就得到了住房保障收入線。根據(jù)住房保障收入線和預(yù)測出的城鎮(zhèn)居民分類收入,對遼寧省2012～2016年的住房保障比重和住房保障需求量進(jìn)行預(yù)測,動態(tài)的分析了遼寧省住房保障制度,為政府制定住房保障政策提供了有利的量化參考。
[Abstract]:At this stage, our country is experiencing a rapid increase in the urban population, a widening gap between the rich and the poor, and the high prices of urban commodity housing. Therefore, low-income families cannot solve the housing problem through their own economic strength. Housing has become an unbearable burden on their lives, and social phenomena such as "living in a worm", "ant tribe" and so on. It is the duty and responsibility of the country to establish the housing security system. This paper analyzes the housing security theory and the international housing security experience of domestic and foreign scholars, from consumer economics, microeconomics, public management and sociology and other multi-disciplinary fields, The theory of supporting housing security system, including Keynes's effective demand theory, western welfare state theory, housing filtering theory, housing gradient consumption theory, fair distribution theory, is expounded systematically. Social exclusion theory and resident segregation theory. These theories and theories will provide powerful theoretical guidance for China's housing security system. From the aspect of demand and supply of housing security, this paper puts forward the theoretical framework of housing security system, and clarifies the level, object and scale of housing security. The income line model of housing security and the prediction model of housing security scale are established. By comparing and analyzing the experience of international housing security and combining with the specific conditions of our country, according to the housing affordability of urban residents and the household type standard of housing security, the housing guarantee line for urban residents is designed. In this paper, the standard of housing type is designed as follows: the single housing area is 45 square meters, 55 square meters and 65 planes, the proportion of the down payment of housing loans is set to 30%, the loan life is 20 years, and then the monthly repayment amount of the purchase loan is obtained. Then get the annual repayment amount, and finally divide the annual repayment amount by the housing consumption income ratio (40%), and get the housing security income line. According to the income line of housing security and the forecast income of urban residents, this paper forecasts the proportion of housing security and the demand for housing security in Liaoning Province from 2012 to 2016, and analyzes the housing security system of Liaoning Province dynamically. It provides a favorable quantitative reference for the government to formulate housing security policy.
【學(xué)位授予單位】：沈陽建筑大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.23;D632.1
本文編號：2158922
[Abstract]:At this stage, our country is experiencing a rapid increase in the urban population, a widening gap between the rich and the poor, and the high prices of urban commodity housing. Therefore, low-income families cannot solve the housing problem through their own economic strength. Housing has become an unbearable burden on their lives, and social phenomena such as "living in a worm", "ant tribe" and so on. It is the duty and responsibility of the country to establish the housing security system. This paper analyzes the housing security theory and the international housing security experience of domestic and foreign scholars, from consumer economics, microeconomics, public management and sociology and other multi-disciplinary fields, The theory of supporting housing security system, including Keynes's effective demand theory, western welfare state theory, housing filtering theory, housing gradient consumption theory, fair distribution theory, is expounded systematically. Social exclusion theory and resident segregation theory. These theories and theories will provide powerful theoretical guidance for China's housing security system. From the aspect of demand and supply of housing security, this paper puts forward the theoretical framework of housing security system, and clarifies the level, object and scale of housing security. The income line model of housing security and the prediction model of housing security scale are established. By comparing and analyzing the experience of international housing security and combining with the specific conditions of our country, according to the housing affordability of urban residents and the household type standard of housing security, the housing guarantee line for urban residents is designed. In this paper, the standard of housing type is designed as follows: the single housing area is 45 square meters, 55 square meters and 65 planes, the proportion of the down payment of housing loans is set to 30%, the loan life is 20 years, and then the monthly repayment amount of the purchase loan is obtained. Then get the annual repayment amount, and finally divide the annual repayment amount by the housing consumption income ratio (40%), and get the housing security income line. According to the income line of housing security and the forecast income of urban residents, this paper forecasts the proportion of housing security and the demand for housing security in Liaoning Province from 2012 to 2016, and analyzes the housing security system of Liaoning Province dynamically. It provides a favorable quantitative reference for the government to formulate housing security policy.
【學(xué)位授予單位】：沈陽建筑大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.23;D632.1
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，本文編號：2158922
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