The Research For Finance Affordable Housing

The housing is one of the primary needs for the humanity lives, the housing security system is the important component of social security systems, is also the important domain that various countries government invest so much in the social welfare. In recent years along with the China real estate market's fast development, house price growing to ever greater heights, caused the universal attention on the housing safeguard of the mid and low earning community. Establishing the housing system of safeguards is not only the inevitable request of housing commodity own characteristic, simultaneously is also advantageous to the social justice, maintains social stable, promotes the Chinese characteristic socialist market economy health and stable development. Since 1990s,our country Government takes seriously more and more housing safeguard attention and investment, and gradually starts to establish the Commercialized and marketability housing system of safeguards which in line with the market economy.At present our country implements mainly takes the low-rent housing and the economically affordable housing as the main body housing safeguard system, namely the lowest income family rents the low-rent housing provided inexpensively by the government or the unit, the mid and low earning family purchase the economically affordable housing, other high-income household purchase, rents the commercial housing. This policy in implementation process, although has made very big progress, but simultaneously also had many problems, for instance the housing safeguard fund is diverted;in the policy implementation arises the phenomenon that the official to rent seeking activities; the indemnificatory housing object's scope is too narrow, person who the should have enjoyed the safeguard treatment, but hasn't.has caused certain difference between the implementation effect of safeguard policy and anticipated existence.This article mainly take our country city's mid and low earning community's housing safeguard as the object of study, including mid and low earning family in cities, urban peasant laborer community as well as new employment university student community. This is because in these three kind of crowds has contradiction between the giant housing demand generally with the low paying capacity, they can draw support from the housing systems of safeguards. This article in analyzing our country finance affordable housing system history evolution and at present our country's housing safeguard system condition foundation, the overseas developed country and the area which obtains the successful experience in the housing safeguard domain, had pointed out our country question which exists in the housing system of safeguards, and proposed the different solution measure according to the different community.The paper divides into five parts specifically:The first part is introductory remarks. Mainly introduced the article research's social background, the policy background and the research significance and so on, elaborated the present domestic and foreign main scholars simply about housing safeguard each viewpoint, and simultaneously explained the paper research technique and the structure, raise the paper writing the innovation and the deficiency.The second part is analyzes about the housing safeguard system's theory basis. Mainly from the finance affordable housing's definition, the characteristic, necessary as well as the concrete economic theory aspect carries on the elaboration. In this part, proposed the finance affordable housing's concept, and has analyzed our country finance affordable housing characteristic as well as the consummation our country affordable housing necessity through this fate, especially emphasized government's responsibility. Then from the public theory, the income divided matches fair theory and the government function theory three aspects has analyzed the indemnificatory housing rationale.The third part is our country finance affordable housing historical evolution and the present situation analysis. Through founds a nation 60 year housing system's reform course, separately to under planned economy system's housing system and the housing safeguard and market economy system's housing system of safeguards two part of material elaboration and the analysis, enabled the people to has more direct-viewing, more systematic understanding about our country housing system of safeguards'development. Then has carried on the analysis to our country present finance affordable housing system, through the cities mid and low earning family, the urban peasant laborers and new employment university student these three communities elaborated separately, had pointed out the respective existence's question as well as the question produce reason.The fourth part is overseas typical national and the local finance affordable housing system analysis and the experience uses for reference. This part mainly introduced Singapore, Hong Kong and the Sweden three typical countries and the local housing safeguard policies, they are in the world advanced level in the housing safeguard domain. And through these three country's research quite, had pointed out their advanced experience development to our country housing system of safeguards has what uses for reference.The fifth part is the suggestion to consummate our country housing safeguard system's policy. This part proposed consummates our country cities mid-low income family housing system of safeguards'overall mentality, and under the overall mentality's instruction, made concrete from the cities mid and low earning family, the urban peasant laborers as well as new employment university student three community's angle embarking put forward the different policy proposal separately. Including definite the responsibility of the government and the community, perfect housing safeguard system; Speeds up the laws and regulations of the housing safeguard; The reasonable limits the scope of safeguard, realizes the housing system of safeguards'fair value; Increases soure of the low-rent housing, the strict control the standard of the economically affordable housing; Multi-channel raises the housing safeguard fund; Peasant laborer own vocational skill strengthens and so on aspects to put forward the proposal.