我国公共住房消费融资现状、问题及模式选择  

Status,problems and model choice of public house consumption finance in China

作　　者：周京奎[1] 

机构地区：[1]南开大学经济研究所

出　　处：《城市问题》2010年第7期70-74,共5页Urban Problems

基　　金：国家社会科学基金项目(08BJY052)--我国公共住房融资主要问题研究之阶段成果

摘　　要：我国中低收入家庭住房的融资模式主要包括商业贷款、公积金贷款、先存后贷模式。随着我国社会经济发展,现有公共住房融资模式已极大地制约了公共住房福利效应的发挥。就限价房、经济适用房、棚户区改造还迁房、旧城改造还迁房等融资模式进行了分析,并就改进消费融资效率提出了政策建议。The main financing resources for medium and low income families include commercial loans, housing accumulation fund loans and pre - existing loans. With social economic development, the public housing policy model has greatly restricted the effect of public housing welfare. This article discusses the financing models of price - limited housing, affordable housing, re - constructed shantytowns and urban redevelopment housing, and then brings forward policy recommendations on improving the efficiency of public housing financing.

关 键 词：公共住房 消费融资 政策性银行 

分 类 号：F832.497[经济管理—金融学]