住房金融制度:国际比较及其启示  

Housing Finance Theory:International Comparison and Enlightenment for China

作　　者：孙杰[1] Sun Jie

机构地区：[1]国家开发银行西藏分行

出　　处：《开发性金融研究》2023年第6期75-85,共11页Development Finance Research

基　　金：中国博士后科学基金项目(M591217)

摘　　要：新兴经济体在实现现代化的进程中,住房金融制度是破解中低收入群体“住有所居”难题的关键制度性之一。本文从理论和实践两个维度对住房金融制度进行了系统梳理。在理论部分,本文沿住房理论和金融理论两条主线对文献进行归纳总结,为调整优化中国住房保障政策提供坚实的理论基础;在实践部分,本文对比分析国际上的成功经验和失败教训,从正反两方面为我国提供了可借鉴的范例。在此基础上,按照渐进务实的原则,提出三点政策思考:一是政府在住房保障中的作用不可或缺,理应承担起保障性住房建设和供给的重大职责;二是加快开展住房政策性金融机构的顶层设计,抓好务实超前研究;三是适时启动住房保障和住房金融制度的高阶位立法研究,采取两步走的立法策略。In the process of modernization,developing country must solve the housing problem for low-income groups.The housing finance system is one of the key institutional factors in solving that problem.It is great significance to carefully study the theory of housing finance.This article systematically reviews the housing finance policy from both theory and practice.In the theoretical section,the analysis is summarized along the two lines of housing theory and financial theory.In the practical part,a comparative analysis of international housing finance models provide valuable examples for China.Following the principle of gradual pragmatism,the article proposes three policy considerations:housing security don’t mean government credit decoupling,study the housing financial institutions,and initiate legislative research on the housing system.

关 键 词：住房金融 开发性金融 住房保障 住房政策性金融机构 

分 类 号：F299.23[经济管理—国民经济] F832