住房金融理论综述与启示  

Summaryand Enlightenme oF Housing Finance Theory

作　　者：孙杰[1] 贺晨 

机构地区：[1]国家开发银行,北京100032 [2]国家能源集团,北京100011

出　　处：《中国房地产金融》2023年第3期33-39,共7页China Real Estate Finance

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,“贫民窟陷阱”与“中等收入陷阱”是必须跨越的两大障碍。认真研究和系统梳理住房金融理论,对构建有效率的住房中长期投融资体制和解决中低收入群体住有所居难题具有重要意义。本文沿着四条主线,对住房理论与住房政策的发展演进脉络进行系统梳理;运用开发性金融理论、金融发展理论、制度经济学的产权理论,对住房金融的理论内涵进行多维度诠释。本文的目的,不是创立一个新的理论体系,现有的金融理论和住房政策已经提供了丰富的理论基础。本文主要从文献综述的角度进行归纳总结,为中国构建有效率的住房金融中长期投融资市场提供可借鉴的理论基础和经验教训,依据渐进务实的原则,提出有价值的思考。The slum trap and middle-income trap are two major obstacles that developing economies must overcome in the process of modernization.It is great significance to carefully study the theory of housing finance.Following three lines,the paper careful analysis the housing theory and housing policy.Using the development finance theory,financial development theory and property rights theory of institutional economics,the article provide interpretations of the theoretical connotation of housing finance.This article make the summary from the perspective of literature review,providing a theoretical basis and lessons learned from an efficient housing finance medium and long-term investment and financing market.Based on the principle of gradual and pragmatic approach,the paper provides the valuable thinking.

关 键 词：住房金融 开发性金融 住房保障 贫民窟陷阱 

分 类 号：F83[经济管理—金融学]