Problems And Countermeasures Of Urban Housing Security System

China's housing security system building and promoting the relatively backward. Under China's current policy of housing conditions, housing supply mainly involves three aspects : through the house to solve the high-income housing needs; through affordable housing policy to address the low - and middle-income families in housing demand; through low-cost housing policy to address the lack of affordability of housing demand. To this end, various localities have gradually established a system of affordable housing, low-rent housing system and the housing accumulation fund system as the main contents of housing guarantee the basic policy framework, but In actual operation, the housing guarantee the implementation of the policy is far from enough. Government's effective macro-control, rigorous system of oversight and sound and efficient mechanism for real estate development, should solve this problem is the key. From the United States, Britain and Singapore national housing security system experience, Study and implement our medium - and low-income housing security system, further clarified the government's macro-regulation and control, market regulation and housing security system, the three major tasks, the ultimate solution to China's medium - and low-income housing, For construction of a harmonious socialist society, reform and improve the functions of the government, the implementation of the scientific concept of development has important theoretical and practical value.Adopting a theoretical analysis and empirical analysis of a combination of methods. First of housing security system based on the theoretical analysis, Then the Chinese urban housing security system and the status of policies and foreign policy of public housing empirical analysis, and sum up their experience and China's housing security system of enlightenment Finally on the basis of a sound housing security system in China's policy recommendations and conclusions. From the following six aspects elaborate.The first chapter, Literature Review, which deals with urban housing security system problems for the research on the dynamics and evaluation.The second chapter, General. This paper introduced the background and significance of the research methods and technology line.The third chapter, urban housing security system theories. First, from the housing guarantee system of economic and social backgrounds and housing security system to target two areas into housing security system OK outlined, called for the establishment of housing security system based on the theory should be a fair distribution of government intervention theory and the theory as a guide.The fourth chapter, the Chinese urban housing security system outlined in the policy. On the Chinese urban housing security system and the status quo policy issues. Through the domestic housing security policies (affordable housing policy low-cost housing policy and housing policy CPF), pointed out that the low-cost policy Affordable housing system and the housing accumulation fund system to solve our housing problems for urban residents. Residents living standards play an important role, but the design of the three systems exist in one way or another, mainly to the commencement of housing support small coverage area, the low level of protection, housing supply structure, prices high housing insurance laws and regulations of delayed construction, integrity system to be established and improved, no government functions such as play to the maximum. Therefore the existing urban residents of the housing security system status can not fundamentally solve people's housing problems, the need for improvement.Chapter V of the United States, the United Kingdom and Singapore's public housing policy, to be Chinese urban housing security system in China. Of the developed countries or regions housing guarantee for the development of the practice, come to the housing security system is the result of urbanization, industrialization was the inevitable result, No country or government must adopt measures to help low - and middle-income residents to solve the housing problem, This is the government's unshirkable responsibility. In a serious housing shortage, residents living conditions of a bad situation, The government often directly through the construction of public housing to guarantee low - and middle-income residents of the housing demand; Along with socio-economic development, housing supply and demand and to improve relations between the residents of the housing situation changes, countries or regions housing guarantee system has to adjust and refine its evolution trend as follows : establish and strengthen the government in solving housing problems of low-income families to the leading role and the formation of diversified housing social security. Of China's housing security system inspiration as follows : 1, a comprehensive legal system is the implementation of the housing policy to protect the powerful guarantee that. 2, housing security is dynamic. The government should be based on different stages of economic development and housing development to determine the different periods, adjusted housing policy. 3, the government has taken appropriate for the government to intervene in the housing market intervention not interfere with the market in the allocation of resources to the basic role, government and the private sector in housing construction division due, the government is mainly responsible for public housing construction, non-public residential market should be provided to the private sector in development.Part VI, improving urban housing security system policy recommendations. From the four recommendations were made : first, because of China's current personal income has not yet been established reporting and credit records it is difficult to accurately grasp the family's income, housing therefore clear is the scope of priority; Secondly, adjustment of the existing affordable housing policy, the adoption of the "income" and "area of double standards control, will enable the government to protect the housing policy in place, and thus strictly limited to its customers, conducive to the low-cost policy, and affordable housing policy convergence, and to change its subsidies, take the monetary way of subsidies to help low - and middle-income people to buy houses on the market, changed out of the dark-fill; Third, through the sale of public housing to improve the living environment, and gradually encourage private sector participation in the construction of low-income housing, to expand the housing stock, increasing the supply of low-rent purposes; Fourth, government to provide security of tenure, and establish a stable and the housing security system, security funds is a core issue. In China, only as a reduction in the provident fund system of financing and commercial bank financing, in the housing finance agencies weakening particularly those that have not established direct low - and middle-income families for the payment of low-interest or interest-free loans of financial institutions and housing for low income families Chambers provide policy loans to low mortgage risk guarantee agencies. Therefore, we should vigorously promote savings and housing policy housing mortgage loans, the establishment of professional housing savings banks; development and improvement of the commercial mortgage business, lower middle -and low-income families to apply for loans threshold, increase their purchasing ability; It is also necessary to establish and perfect the system of collateral and the personal credit information system, reducing banks and guarantee agencies risk housing guarantee system for the smooth construction.Part VII, conclusions. The whole broad overview.