The Research Of Lanzhou Low-rent Housing Construction Financing Model

Low-rent housing is the core of housing safeguard in our country, and the construction of low-rent housing is the most basic construction funds of the security, it is also the main bottleneck for the development of low-rent housing. As quasi-public products the economic benefit of low-rent housing is not obvious, it need the intervention of government. But the government is weak to bear the responsibility of the construction of low-rent housing. Especially for the city of Lanzhou whose financial income is much few. In order to meet the capital requirement of low-rent housing construction, we need to combine the characteristics of low-rent housing with financial innovation. Exploring innovation financing mode, introducing the private capital in low-rent housing construction is the key to satisfy the capital demand of the low-rent housing.This thesis is divided into seven parts. The first part of the thesis expounds the background and significance of the thesis. And summaries the related research viewpoint at home and abroad. The second part of the thesis overviewed related theory providing theoretical basis for the study after. The third part of the thesis analysis the background of existing financing mode and existing financing mode in Lanzhou. Find the current financing mode has the following several problems:First, the existing financing mode against the policy purpose of housing safeguards; Second, low-cost housing "privation" will lead to new injustice:Third, the existing financing mode will have the low-rent housing losing liquidity. The fourth part of the thesis summarizes the representative countries (regions) of low-rent housing construction financing practice experience and its revelation. In view of the insufficient of current existing financing mode in Lanzhou, and the successful experience of developed countries (regions) in low-rent housing, the fifth part of the thesis. This thesis proposed to use the accumulation fund loan as the endogenous financing. Besides that it also proposed to use the real estate investment rusts (REITs) as the external financing. The sixth part of the thesis researched the feasibility, operation flow and financing body and duty of the model. The seventh part of the thesis analysis the possible risk of the new mode. Final put forward the corresponding countermeasures.