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An Analysis of China’s Urban Housing Security System

Author: GuoYaFang
Tutor: ZhuMingXi
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: Town Housing security System
CLC: F293.3
Type: Master's thesis
Year: 2010
Downloads: 697
Quote: 1
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Abstract

Housing is a basic elements of survival, to enjoy the right to adequate housing is a basic human right. Therefore, to ensure that the citizens realize the \And related to the overall situation of China's reform, development and stability, and improve housing security system, related to the vital interests of the masses ability to live and work related to the smooth progress of the reform of the housing market, the relationship to the establishment of the new housing system process has significant economic and social significance. Establish and improve the urban housing security system is a necessary complement to the market mechanism, but also an important part of the national social policy and social security system. For the realization of social justice, the government must take effective measures to help low-and middle-income class to solve the housing problem. Our current initial formation of the existing urban housing security system, including low-cost housing, affordable housing and housing accumulation fund system in three aspects. Existing housing security system played a larger role to solve the housing problems of low-income families, but because of the late start, slow development, is still very immature, there are more problems, did not play its due role in making housing security even to some extent to the deterioration of the existing housing difficult problem. Especially in the financial and monetary fields, there is no corresponding policies to promote the implementation of the housing security system. Some foreign developed countries due to an earlier start to the implementation of the housing security system, all aspects of mechanism is relatively sound, there is a lot that we can learn and learn. Therefore, how to combine the actual situation of our country, to build a relatively well suited to the condition of the urban housing security system, is currently a major problem to be solved. The article consists of six parts: the first part of the introduction. The introduction describes the background and significance of the research, and research trends at home and abroad and on the review of existing research, article ideas and structures, research methods and technology roadmap, and the article innovation and inadequacies described. The second part of the housing security system overview. The world housing security system background and course of development of new housing security system, the housing security system initially in the generation of the Western countries, the course of development and effectiveness of the new China before the reform and opening up and reform and opening up a two-stage housing security system review. Explanation of the meaning, form and characteristics of the housing security system, housing security system, the economic function and social function. The third part, the status quo of China's urban housing security system. The basic system includes the existing urban housing security: three aspects of low-rent housing system, the system of affordable housing, the housing fund system, and from the three aspects of the current situation of China's urban housing security system is described. The fourth part, the analysis of existing problems and the causes of China's urban housing security system. The article pointed out that China's urban housing security system as a whole are mainly delayed construction of the legal system, the absence of government functions, housing security system is unclear positioning and supporting system is imperfect, the four aspects and specific analysis of low-rent housing, affordable housing and the respective number of problems in the housing accumulation fund system. Pointed out that the rapid development of China's industrialization and urbanization produce housing security issues on the basis of analysis of the existing problems, in addition to the existence of government dereliction of duty led to the housing security system design unreasonable reasons. Government breach of duty and the main reason the housing security system design unreasonable housing guarantee and is not concentrated in the most difficult of the low-income, central and local government, lack of clear responsibilities of the two aspects of the housing security. The fifth part, foreign housing security system experience and revelation. Foreign housing security system after years of development and improvement has matured, there are a lot of ideas and suggestions of the housing security available and learn. In the analysis of the problems and causes of finished housing security system, by practice on the housing security system in the United States, Singapore, the United Kingdom and Japan, from their successful experience some enlightenment. Combined with the actual situation of China's housing security system reform, the Chinese characteristics of the urban housing security system perfect proposed should try to give full play to the role of housing security, in the government as soon as possible to improve housing security legal system, the level of protection level and safeguard Diversified three aspects to learn from the advanced experience of foreign countries. Part VI of ideas and suggestions to improve China's urban housing security system. The housing security system, the paper argues that fundamentally improve China's urban housing security system is to give full play to the functions and roles of the government to fulfill its due responsibilities and obligations, and truly \the people. \In addition, the Government should increase investment in low-cost housing, the gradual establishment of housing security system based low-cost housing, to help low-and middle-income families to achieve the goal of Home Ownership \Part VI is the focus of this article, so use more ink to introduce. The part of the first proposed at this stage of the basic ideas of the development of housing security, the government to do the \. This paper argues that China's housing security problems mainly due to affordable housing, low-rent housing is too little, government protection is not in place. If the government can land premium come up with a considerable part to support the construction of housing security, then the problem of too little affordable housing, low-cost housing can be effectively alleviated. But the current reality is that the government has also become the collective pursuit of profit in the real estate market, it is reluctant to come up with too much money to expand affordable housing and low-rent housing. So, improve housing security system lies in whether the Government really \On the other hand, protection security policies and regulations for affordable housing for low-and middle-income families. In view of our current social structure of the \. Therefore, in order to meet the basic housing needs of vulnerable groups, the better choice is the low-rent housing, let the majority of low-income families live in private housing, live in never ending, realize that everyone has the goal of living room. Finally, mainly from the the sound housing security and legal system, established the main functions of the government, improve the low-rent housing system, improve the system of affordable housing, improve the housing accumulation fund system and optimize urban housing security, fiscal and financial support to improve China's urban housing protection system. Optimize urban housing security, fiscal and financial support is to improve the financial and tax support for China's urban housing security, and housing loan funds from the formation of housing finance bank guarantee system, and the implementation of the three aspects of the housing mortgage loan securitization optimize the urban housing security financial support. In this paper, the theoretical analysis and comparative analysis of a combination of qualitative analysis and quantitative analysis method, specific research papers try to tap its deep analysis of the problems of the housing security system, try innovations in the following areas: , pointed out that the rapid development of China's industrialization and urbanization are the basic causes of the problem of a housing security system; papers according to the existing conditions, the suggestion to improve China's urban housing security system, the first analysis of the basic ideas of this stage to improve housing security system, government to do \analysis of the fiscal and financial support of China's housing security system problem, solve the problem of housing guarantee fund has targeted recommendations.

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CLC: > Economic > Economic planning and management > Urban and municipal economy > Urban Economics and Management > The real estate economy
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