【作者】 付薇；

【导师】 梁学庆；

【作者基本信息】 东北农业大学 ， 农业经济管理学， 2002， 硕士

【摘要】 住房问题，是关系到每一个人切身利益的基本问题，无论在发达国家还是发展中国家，解决好本国居民的住房问题都是一国政府应当负起的责任。基于住房建设与消费过程中都存在资金需求量较大，资金回收期长，资金周转慢与风险较大等特点，住房产业与金融业的结合成为一种必然的选择。一方面，金融业可以为住房建设与消费融通资金，解决住房产业中存在的资金不足问题，另一方面，住房业又是一个有利的投资场所，可以满足金融业对利润的需求。二者的有机结合，既能给住房产业提供有力的支持，又能促进金融业的发展，二者互相促进，共同发展。 住房金融是房地产金融的一部分，包括政策性与商业性住房金融两类。从国外住房金融的发展可以看出，住房金融对于一国解决其住房问题具有十分重要的作用。在我国，住房金融是伴随着住房制度改革不断发展起来的，虽然只有短短的二十年，已经显示出对解决住房问题的作用。政策性住房金融以住房公积金为主要形式，商业性住房金融以商业银行的个人抵押贷款为主。但从总体上来看，我国住房金融的研究仍处于起步阶段，理论与实践都存在许多需要完善与改进的地方，因此住房金融是目前房地产金融中研究较多的一个内容。 本篇论文包括四个部分： 第一部分介绍选题背景与国内外研究进展。 第二部分为住房金融概述，主要介绍住房金融的概念，从事住房金融的机构，住房金融工具，及住房金融融资方式等。 第三部分从回顾我国住房金融发展历程入手，然后介绍了住房金融发展现状，进而分析了我国住房金融存在的一些问题及其原因。 第四部分首先归纳了国外住房金融可供借鉴的四点经验，接着简单介绍了加入世贸组织对我国住房金融可能带来的一些影响，最后提出了完善我国住房金融的对策与建议，即本文的研究主体。更多还原

【Abstract】 Housing finance is a fundamental problem that is related with every person’s benefit. No matter in developed countries or in developing countries, it is the government’s duty to solve housing problem well for its people. Because of special features during the process of house construction and consumption, such as a large quantity money demand, a long period money recycle, a slow money turnover and poor risks etc, it is an inevitable choice to combine housing industry with finance industry. One hand, finance industry can finance money for housing construction and consumption to solve problems of money deficiency. On the other hand, housing industry is a favorable investment area that can satisfy the need for profit in finance industry. The combination will supply powerful support for housing industry, and will promote finance industry’s development as well.Housing finance is a part of real estate finance. It contains policy housing finance and commerce housing finance. It can be seen from the development of foreign countries’ housing finance, that housing finance has played an important role in solving housing problem. In China, housing finance’s growth has accompanied the development of the reform of housing system. Although being existed for only two decades, housing finance has shown its power in solving housing problem. Public accumulation fund is the main form of policy housing finance; individual mortgage loan of commercial banks is the main form of commerce housing finance. The study on housing finance in China, however, has just started, and there exist many aspects to be perfected. So housing finance has been a hot research subject these days.This dissertation contains four parts:The first part introduces the background and the research situation.The second part introduces general knowledge of housing finance, including basic conception, institution, tool and financing mode etc.The third part reviews the history of housing finance in China, and then discusses its present situation, puts forward some problems, at last analyzes the reasons.In the fourth part, having summed up the experience of foreign countries for reference, the dissertation analyzes some possible influence to housing finance after China’s entrance of WTO, then comes the main body of the dissertation, that is, countermeasure and proposal on how to perfect housing finance in China.更多还原