我国保障房的发展现状与融资渠道探析

The Development Situation and Financing Channels of the Indemnificatory Housing in China

2011年1至9月份,全国保障房开工建设986万套,开工率为98%(不含西藏自治区)。我国保障房建设过程中存在着诸如资金瓶颈、住房保障法制建设滞后、土地供应以及保障房的分配方面等问题,其中资金瓶颈问题是保障房建设的首要问题。由于保障房所需要的资金数额巨大,保障房建设中所面临的资金缺口一直难以得到有效解决。应通过以下途径逐步拓宽我国保障房的融资渠道:发挥商业银行在保障房建设资金方面的作用;吸引保险资金积极参与支持保障性住房建设;充分发挥债券市场的功能;进行金融创新,引导多渠道资金用于保障房建设。

From January to September in 2011, 9, 860 thousand units of indemnificatory houses were constructed and the rate of operation was reached 98% （except Tibet） . However, there are still some problems in the construction process of indemnificatory houses in China, such as capital bottleneck, a lack of legal construction in housing safeguards, land supply and the allocation of indemnificatory housing. Among these problems, capital bottleneck is the main one. As the indemnificatory housing requires a huge amount of money, it is difficult to make up the capital gap in terms of indemnificatory housing construction. This paper analyses the possible ways to broaden the financing channels for indemnificatory housing, including making the commercial banks play its role in indemnifieatory housing construction funds; attracting insurance funds involvement in supporting the indemnifieatory housing construction; making full use of the bond market; making financial innovations and introducing multi-channel funds for the indemnificatory housing construction.