Research On Urban Housing Guarantee System In Our Country

Housing, as basic subsistence in one's life, is one of basic human survival conditions. Because of the high housing prices and fierce competitions in society, there are always some people needing housing guarantee system to solve the housing problems. Although China's housing guarantee system which is founded in 1998, makes great contributions to solve the low - and middle-income families'housing problems, there are also have many problems which lead the protective role has not been fully exploited.how the housing guarantee system into full play its role as housing support community-wide concern and one of the hot, It is the focus problem of the society discussion and also the main purpose of the paper to make the housing guarantee system fully exploited.The basic theory of this paper is the market economy theory, welfare economics, filtering model of housing and categories of housing supply theory. The paper takes the experience and inspiration of the foreign countries, especially the United States, Germany and Singapore, that are positive and modest housing guarantee system, improving the Legislation of housing guarantee, stressing the importance of housing finance and means of diversification. The paper analysis the faults of housing guarantee system.The faults of affordable housing are too high price, too much position, that the supply runs out of control, that the government is not sufficient motive force for development, that the regulatory costs are too high, and the developers irregularities to make profit. The faults of low-cost housing are that ineffective implementation ,lacking of funds and lacking of housing stock. The faults of housing pubic funds are that coverage rate is not high, that the loan is complicated and limited amount of the loan. Based on the above issues the corresponding countermeasures are that: Strengthening governments'housing guarantee responsibility , and taking the policy of moderate protection in relieving the burden of the government and also make full use of the residents of the housing consumption capacity. Based on the supply of housing patterns, detailing the targets. The reform of affordable housing, the money will be directed to the applier of affordable housing. The way of affordable housing becomes form buy housing to rent housing, in order to enhance the efficiency of affordable housing, expanding the scope of security. The government makes developers tied up to construct public housing to complement the shortage of low-cost housing. The policy can reduce the government's financial burden, avoid the government sinking in the old path of welfare housing distribution, add the stock of low-income housing, and enhance the capacity of protection. Establishing housing savings system to cover housing pubic funds, to strengthen housing finance for housing guarantee system. Housing savings can help those who are unable to participate in the housing pubic funds, and becomes an effective supplement of housing pubic funds.This paper is divided into five chapters, and each chapter read as follows :Chapter 1 Introduction. Mainly expounded the background, purpose and significance of the paper, as well as the ideas, methods and innovations.Chapter II the theory of housing guarantee system. This chapter begins at introducing the basic concept of housing guarantee system, and continue to introduce the market economy theory, welfare economics, filtering model of housing and categories of housing supply theory.Chapter III the housing guarantee system of foreign countries. This chapter introduces the housing guarantee system of foreign countries, especially the United States. Germany, and Singapore, and the experience which our country's housing guarantee system needs.Chapter IV the problems of China's urban housing guarantee system .This chapter begins at introducing the three parts of China's housing guarantee system ,then to introduce the situations and problems of affordable housing, low-cost housing and housing pubic funds.Chapter V improving China's housing guarantee system. This chapter is mainly on how to improve housing guarantee system and recommendations. It mainly include that: strengthening government's responsibility of housing guarantee, improving relevant laws. Based on the supply of housing patterns, detailing the applier. Improving the affordable housing through the way of currency. Developers tied to the construction of public housing to complement the low-cost housing. Improving the existing Housing pubic funds,establishing housing savings system to add the housing pubic funds.