【作者】 刘会洪；

【导师】 郑必清；

【作者基本信息】 湘潭大学 ， 产业经济学， 2004， 硕士

【摘要】 党的十六大提出了在2020年全面建成小康社会，把它作为实现第三步战略目标过程中的一个阶段性发展目标。发展居民的住房消费是建设全面小康社会的一个重要方面。本文首先分析了建设全面小康社会与发展居民住房消费的关系，阐述了居民住房消费在建设全面小康社会过程中所处的位置和作用，说明了全面小康社会的建设离不开居民住房消费水平的提高，并进一步论述了发展居民住房消费对于全面建设小康社会的重要性。本文接着分析了影响居民住房消费的因素。当前对居民住房消费有重要影响的因素主要有居民收入水平、房价、住房制度、金融财税政策等。目前我国居民住房消费正处于从温饱型（居有所住）向小康型（住房条件得到改善和提高）转变的时期，人们对住房标准、居住环境、物业管理和中介服务提出了更高的要求。因而一方面要求市场能提供满足人们要求的住房，另一方面也要求人们有相应的收入与消费能力。现阶段我国大部分居民的收入水平比较低，而房价却比较高，这是阻碍人们住房消费水平提高的主要因素。借鉴国外在提高国民居住水平方面的发展经验，结合我国当前住房消费所处的发展阶段，我国的住房政策选择应是供给与需求双管齐下的政策。在住房供给上，调整住房供应结构，控制高档房的建设，鼓励中低价位住房的建设和旧房交易，并采取措施，降低房价；在住房需求方面，通过运用财政金融政策，降低住房交易费用，大力促进住房消费信贷的发展，直接向低收入家庭发放住房租金补贴等措施，来提高中低收入家庭的住房消费能力。在文章的最后，给出了发展住房消费的一些具体政策与建议。更多还原

【Abstract】 The 16th session of the party has put forward a goal that the society with well-to-do level all-sided will be built up in 2020, as a phase developing goal on the path of realizing the third step of strategic objective. Improvement of the house consumption to the resident is an important respect of building the overall well-to-do level society. This text has analyzed the relation between the building of the overall well-to-do level society and the development of resident’s house consumption at first, then explained the position and function of resident’s house consumption in the course of building overall well-to-do level society. We cannot reach the goal of building the overall well-to-do level society without the improvement of resident’s level of consumption of the house, thus improving the house consumption level of resident takes an important role in the course of building the society of well-to-do level all-sided.We analyze the factors influencing resident’s house consumption next, which include the income level of resident, the price of house, the housing system, financial and tax policy, etc. At present our country is in the course of leap from the era of simply having room to live to that of the housing condition improved greatly. In this stage, people put forward higher request of housing standard, living environment, and management for infrastructure and intermediary service of house. Therefore it requires the market can offer and satisfy requests of people’s housing on one hand, and also requires people to have consuming capacity of house on the other hand. But the main factor of hindering improvement of people’s consuming level of house in the present stage is that most residents’ income level is low, but the price of house is very high, that is to say that people’s house consuming capacity is relatively low.Using the development experience of abroad in improving people’s <WP=5>housing condition, and considering the stage of people’s house consumption of our country at present, the government should make the policy that includes some measures in house supply and in house demand. In house supply, government should make a few measures to adjust house structure of supply that control the construction of top-grade houses on one hand and encourage construction of the low price house on the other hand, and take measures to low the price of house at the same time. In housing need, government should take the financial and tax policy to reduce the trade expenses of the house, to encourage the development of housing loan and to give a subside of house rent to the low-income household directly，for the sake of improving the house consuming capacity of the middle-low-income households. At the end of the article, some concrete policies of house consumption of development have been proposed.更多还原