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International Comparison Of Housing Finance And The Development Countermeasure Of Our Country

Posted on:2006-02-25Degree:MasterType:Thesis
Country:ChinaCandidate:X WuFull Text:PDF
GTID:2156360155950232Subject:World economy
Abstract/Summary:PDF Full Text Request
Housing finance is a fundamental problem that is related with every person's benefit. No mater in developed countries or in developing countries, it is the government's duty to solve house problem well for its people. Because of special features during the process of house construction and consumption, such as a large quantity money demand, a long period money recycle, a slow money turnover and poor risks etc, it is an inevitable choice to combine housing industry with finance industry. House financial activity of our country begin with that reform launched the eighties such as housing system. In recent years, with the deepenning furtherly of housing reform, the finance of the house has got greater development. But according to present current situation of the development, the credit portfolio of the house is still very low, far from meeting the demand of each link of housing market. Study the finance of the house, set up the financial system of house in conformity with socialist market economy, have already become the great subject in such respects as the promotion which has concerned house industry's developing , housing commercialization and perfection of the financial system ,etc.. This text sum up concept, characteristic, function, house of finance at first, The focal point of housing finance research is to purchase the house and circulate necessary funds for residents . Then to three kinds of typical financial modes of house in world: The home mortgage mode of U.S.A., the contract deposit mode of Germany and common reserve funds mode of Singapore have carried on comparative analysis, draw the experience enlightenment which develops finance of the house on this basis. Describe the current situation of the development of the finance of house of our country and the problem exists finally, and corresponding proposition countermeasure and choice of the financial mode of house of our country.
Keywords/Search Tags:housing finance, mortgage loan, public accumulation fund
PDF Full Text Request
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