保障性住房私人融资的不足性及弥补对策

On the Shortage of Private Financing for Indemnificatory Housing and the Countermeasures

保障性住房准公共产品性质决定了其私人融资的不足性,需要政府和社会力量来弥补。在各保障对象群体私人边际效益不变的条件下,这种不足性与保障对象群体相对收入水平负相关。保障性住房融资可以分为廉租房、公共租赁房和经济适用房等几种基本类型,其弥补性资金依次递减。从理论和中国的现实出发,弥补性资金的融资是保障性住房建设中的核心和关键。因此,政府应进一步完善保障性住房结构及管理体系,建立市场化与非市场化相结合的立体融资体系,完善融资管理体系。

The quasi-public goods nature of indemnificatory housing decides the shortage of private financing, which has to be made up by the government and social forces. Under the conditions of not changing the private marginal benefit of the protected target groups, this kind of insufficiency is negatively correlated with the relative income levels of the protected target groups. The indemnifi- catory housing financing can be divided into low-rent housing, public rental housing, affordable housing and other basic types, their remedial funds being in descending order. Starting from the theory and the reality of China, the financing of the remedial fund is the core and key in the construction of indemnificatory housing. Therefore, the Government should further improve the indenmificatory housing structure and the management system, establish a three-dimensional financing system of a market-oriented and non-market-oriented combination, and perfect the financing management system.