国外住宅消费融资的经验比较与启示  

A Comparison of the Experience of Foreign-Housing-Consumption Financing and Its Enlightenment

作　　者：廖湘岳[1] 潘爱民[1] 

机构地区：[1]湖南科技大学商学院,湖南湘潭411201

出　　处：《当代经济管理》2008年第7期80-83,共4页Contemporary Economic Management

基　　金：国家社科基金课题<城市弱势群体住宅消费问题研究>(04CJL006)的阶段性成果之一;湖南省社会科学基金项目(07YBB232);上海财经大学博士创新基金项目<中国房地产市场非有效性问题研究>的资助

摘　　要：随着城市化水平的提高和人们消费结构的升级,住宅消费成为人们消费的重点。在住宅潜在需求很大的今天,住宅消费融资是把住宅潜在需求转化为实际需求的一个很重要的环节。文章从国外住宅消费融资模式的比较与经验借鉴出发,结合我国现行模式的特点和当前的经济状况,对我国的住宅消费融资模式的发展和完善进行了探讨。With urbanization enhancing and people＇s consumption structure upgrading, housing consumption becomes the focus of people＇ s consumption. With today＇ s potential demand becoming larger, housing-consumption financing is a very important link turning the potential demand of housing into the actual demand. Considering China＇s current housing-consumption financing, this paper probes the development and improvement of China＇ s housing-consumption financial modes anti the economic situation in China, based on the characteristics of foreign housing-consumption financing modes.

关 键 词：住宅消费融资模式 市场化抵押贷款模式 强制储蓄模式 合同储蓄模式 

分 类 号：F830.39[经济管理—金融学]