美国住宅政策性金融机构对城市发展的影响研究  

Research on the Influence of U.S.Housing Policy Financial Institutions on City Development

作　　者：丰子顺 FENG Zi-shun(University of Chinese Academy of Social Sciences,Beijing 102488,China)

机构地区：[1]中国社会科学院大学,北京102488

出　　处：《经济研究导刊》2021年第9期141-143,161,共4页Economic Research Guide

摘　　要：随着城市化的高速发展,许多国家为了保障居民居住权,促进城市发展,设立了住宅政策性金融机构。通过对1971年起美国联邦住宅贷款抵押公司公布的30年和15年固定抵押贷款利率及手续费率、世界银行发布美国城市化率数据,以及美国人口普查局住宅自有率数据进行分析,研究住宅政策性金融机构对城市发展的影响。结果发现,美国联邦住宅贷款抵押公司30年和15年等固定抵押贷款利率对城市化率有明显影响,但对居民住宅自有率影响不大。目前,我国住宅政策性金融机构尚未正式建立,而研究美国住宅政策性金融机构,对我国日后建立住宅政策性金融机构或改进相关住宅政策有重大意义。With the rapid development of urbanization,many countries have established housing policy financial institutions in order to protect the residents’ right to live and promote urban development.This article analyzes and researches the 30 year and 15 year fixed rate mortgage(FRM)and fees & points published by the Federal Housing Loan Mortgage Corporation(Freddie Mac)since 1971,the World Bank released the U.S.urban population of total population(urbanization rate),and the U.S. Census Bureau’s home ownership rate.Study the impact of housing policy financial institutions on city development.It was found that the 30 year and 15 year FRM had a significant impact on the urbanization rate,but had little effect on the home ownership rate.At present,China ’s housing policy financial institutions have not been formally established.It is significance for China to establish a housing policy financial institution or improve housing policies in the future by studying the U.S. housing policy financial institutions.

关 键 词：固定抵押贷款利率 城市化率 居民住宅自有率 住宅政策性金融机构 

分 类 号：F299.1[经济管理—国民经济]