City Affordable Housing System

Affordable housing policy is a policy commodity house with welfare that the government provides policies for and whose construction standard, purchaser and sales price are given by the government. Affordable housing policy is the main solution of the housing problem of mid-low-income class in china, which has been playing good role in decreasing house price, and in meeting the residence demand of families of middle - income and low - income since it was carried into execution in 1998. But there also some problems in policies of economical and applicable house The thesis attempts to utilize the new institutional economic method, focusing on the policies of economical and applicable house, to analyze the problems of the existing economic house policy, in order to find out the likely defects in them and give some advice of how to improve the policy. The thesis Firstly analyzes the background and current circumstance, evaluates the performance of implementing the policies of economical and applicable house, through the methods that is combined with qualitative analysis and quantitative analysis, pointing out that the problem of welfare standing upside down in the policies of economical and applicable house. Secondly the thesis analyzes the polices by welfare economics, public economics etc., the effect of economic house injuring on the real estate, and the advantages and the disadvantages of currency subsidy and practicality subsidy in the economical model, and gives some examples of some problems of the existing policy, then gives some study of the basic attribute and some other aspects of the economic house. Next to among the government, the consumers and the exploitation firms has carried on the gambling analysis, analyzes at present the economical and applicable house market behavior not standard reason. The results shows that the economical and applicable house market could identify the purchaser automotive and the families of high - income would exit the market if some institutional conditions were put into force. Based on the analyzes above, proposes the development, perfect the system of the economical and applicable house, bring into play the automotive isolated mechanisms of the market; definition the functions of the government, strength the supervise of the market and after the event; construct the credit system, perfect the rewards and punishments mechanism; develop the housing finance industry, boost the purchasing power of the mid-low-income class in china.