加快发展我国政策性住宅金融机构  

Accelerating development of policy-oriented housing financial institutions

作　　者：张焕波[1] 

机构地区：[1]中国国际经济交流中心经济研究部

出　　处：《全球化》2016年第7期78-88,共11页Globalization

摘　　要：随着我国中低收入群体的住房问题逐渐显露,对政府加强住房保障和改善民生提出了新的挑战。发展政策性住宅金融机构不仅有利于刺激经济发展、防范金融危机、促进金融改革,而且对于解决社会问题、释放消费能力、促进房地产业健康发展具有重要意义。本文通过论述发展政策性住宅金融机构的必要性和紧迫性,分析我国现阶段需要考虑的几个主要问题,包括新设金融机构与现有体系关系问题、存量问题、介入环节和领域问题、定位问题、法律问题和配套体系问题等,从而结合我国具体国情,提出我国发展政策性住宅金融机构的几种可选方案。With the prosperity of China's real estate industry,the housing problems of medium-lowincome groups are gradually revealed,which brings about new challenges to the government to strengthen the housing security and improve the livelihood of the people.Developing policyoriented housing financial institutions is not only conducive to stimulating economic development,preventing financial crisis,promoting financial reform,but also significant for improving social problems,releasing consumption capacity,promoting the healthy development of the real estate industry.By discussing the necessity and urgency of developing policy-oriented housing financial institutions,analyzing main problems at the present stage our country need to consider,including the link between newly- designed institutions and existing system,the stock problem,interventional links,area issue,positioning problems,legal problems and supporting system problem etc.,this paper combines the concrete national conditions of our country,and proposes several options for China to develop policy-oriented housing financial institutions.

关 键 词：政策性住宅金融机构 房地产业 中低收入住房 

分 类 号：F299.23[经济管理—国民经济] F832