我国保障性住房建设中融资问题研究-金宇鑫.docVIP

经济管理学院2013届毕业论文 论文题目： 我国保障性住房建设中 融资问题研究 专 业： 会计学 班 级： 09级会计1班 姓 名： 金宇鑫 学 号： 200920040104 指导教师： 周立坤 职 称： 高级会计师 2013 年 6 月 8日 [摘 要]保障性住房是地方政府根据中央指示为当地中、低收入家庭提供的限标准、限价格和限租金的，具有保障性质的住房，保障性住房是关乎民生的重大问题，是我国解决低收入人群住房困难的保障，保障性住房建设过程中存在的融资难的问题受到了社会各界的关注。因此，对此进行研究是十分必要的。 本文首先介绍了我国保障性住房建设中的融资现状，继而阐述了我国保障性住房融资面临的主要问题，主要有融资渠道单一，银行依赖度高，政府财力问题制约保障性住房建设，以及保障性住房贷款的低收益和偿贷缺乏保障,限制了金融机构的参与热情等；借鉴国外的案例，提出加强和改善我国保障性住房建设融资的几点对策，完善配套政策，支持金融投资，建立完善的法律法规体系，加强政府管理等，希望本文之论点对今后建设保障性住房有所帮助。 [关键词]保障性住房 融资 保障性住房补贴 [Abstract] Affordable housing is the local government according to the instructions provided to low-income families in the local limit standard, limit and is limited to the rent price, with characteristics of security housing.That is the guarantee of our country solve the housing difficulties of low-income people, is a major problem concerns the livelihood of the people. reveal financing problems in the process of housing construction has been the attention of social from all walks of life, But there are still affordable housing construction, the difficulty of financing. Therefore, this study is very necessary. This article first introduced the financing status quo of affordable housing construction in our country, then expounds the financing of affordable housing in our country faces major problems, mainly include the single financing channel and bank dependence degree is high, the government financial problems restricting the affordable housing construction, and lack of affordable housing loans of low income and to repay the loan guarantee, limits the participation of financial institutions. Draw lessons from foreign cases, this paper puts forward to strengthen and improve the construction of affordable housing financing several countermeasures to perfect the supporting policies,