我国城镇住房保障制度金融政策的现状评析与改革建议

The Status of Monetary Policy Assessment and Reform Proposals on China’s Urban Housing Security System

住房供给保障制度与住房金融政策,作为向居民提供住房保障与融资支持的重要条件,对于中低收入阶层居民住房条件的改善,具有决定性的影响。与对中高收入阶层居民的影响相比,我国的住房金融体制在为中低收入居民提供金融支持方面存在一定的缺陷:低收入居民从现行住房金融体系中获得的支持与其贡献不相匹配,存在着"劫贫济富"的现象。针对这些问题,本文提出从住房金融机构的设立和完善、住房抵押贷款证券化、适当的制约和监督措施三方面入手,对我国住房保障制度金融政策进行改革。

Housing supply security system and housing finance policy as to provide housing security to residents and an important condition for financial support for low-income residents in the improvement of housing conditions,has a decisive impact.In this paper,on the operation of our housing finance system,the status quo analysis found that with the high-income strata of the population compared to the impact of China＇s housing finance system for low-income residents in the provision of financial support there are some deficiencies.That is low-income residents from the existing housing finance system to obtain the support of their contribution to not match,our country＇s housing finance system,the existence of ＂robbing the poor to the rich＂ phenomenon.To solve these problems,this paper presents three China＇s housing security system,monetary policy reform proposals,that is establishment and improvement of housing finance institution,housing finance securitization and suitable restriction and surveillance measures,with a view to improve the housing finance system has some positive significance.