对商品房预售及预售款监管制度的探讨(以鞍山为例).pdfVIP

对商品房预售及预售款监管制度的探讨以鞍山为例 中文摘要 随着我国经济的高速发展,商品房预售制度应运而生。由于商品房预售有利于房地产 经营企业筹集建设资金,有利于购房人减轻付款压力,有利于商品房交易市场的繁荣发展, 因此成为我国商品房销售中的主要形式。 从我国 10 多年来的实践经验来看,商品房预售制 度确实从一定程度上拉动了经济增长,自建立以来对我国房地业的发展确实起到了重要的作 用,商品房预售具有法律上的不平等性和经济上的垄断性,由于商品房预售的特点,商品房 预售过程中的买卖纠纷不断,消费者的权益易受侵害,其存在诸多的不完善之处,也引发了不 少社会问题。央行公布的《2004 年房地产金融报告》中建议取消现行的房屋预售制度,改期 房销售为现房销售。本文认为目前不能取消商品房预售制度,商品房预售中的诸多不良现象, 主要是由于我国对商品房预售这一模式监管力度不够,没有完善的法规政策去引导和制约。 因此,切实从法律上加强政府相关管理部门的监管责任和强化消费者的保护途径非常必要。 国家可在有关预售款的制度设计中引入第三方,加强预售资金管理,做到专款专用,通过对 预售款托管制度的设计和间接监管手段的加强,借助法律的规制手段调控预售市场,使其能 健康发展,并发挥出应有的积极作用,进一步完善商品房预售制度,抑制、消除其负面和消 极影响。 【关键词】 商品房预售;预售制度;预售监管; 英文摘要 With the rapid growth of our national economy, the Presale System of Commercial Housing emerged at the time required. Because of its good points such as, it is not only advantageous for the corporations of real estate to collect the construction fund and helps the people who buy houses to reduce the payment pressure, it also promotes the development of the commercial housing market. It has become the main form in the promoting sale in our country. Seen from our ten-year experience in practice, the Presale System of Commercial Housing does to some extent promote the national economy and has played a very important role in the development of real estate since the establishment of our country. The Presale System of Commercial Housing is unequal in term of law and monopolistic in terms of economy. Because of the characteristic of the presale system, disputes often arise among the buyers and sellers, consumers’ interests can not be ensured. Moreover, Its deficiency also leads to many social problems. The Financial Report of Real Estate in 2004 issued by China Central Bank suggested cancelling the existing presale system and suggested selling the finished houses. In this essay, the presale system is considered to be kept. The bad phenomenon in the presale system in our country is mainly due to the poor supervision and a lack of perfect policy. Thus, it is imperativ