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保障性住房制度是我国社会保障体系的重要组成部分,其发展关系着广大中低收入居民的切身利益,而资金是保障房发展的一个瓶颈。保障性住房因其具有福利性的特点,依托市场化融资困难。2011年,我国已开工建设保障性住房1034万套,资金落实是保障房建设的关键。国家明确规定,财政资金预算收入中的10%和土地增值收益的10%,以及住房公积金增值收益的10%用于保障性住房建设,但是保障性住房资金仍有缺口。目前,我国政府财政压力较大,住房保障的可持续发展存在一定的制约。展望未来,我国保障性住房需要积极探索融资新路,获得多元化的资金来源,吸引更多社会资金,以期开发更多融资渠道为保障房建设筹集持续发展的资金。
The system of affordable housing is an important component of China’s social security system. Its development has a bearing on the immediate interests of the majority of low and middle-income residents. Funding is a bottleneck in the development of social housing. Due to the characteristics of welfare housing, affordable housing relies on market-oriented financing difficulties. In 2011, China has started the construction of 10.34 million affordable housing units, and the implementation of the funds is the key to guarantee housing construction. The state clearly stipulates that 10% of the budgetary revenue and 10% of the land value-added income and 10% of the value-added income from housing provident fund will be used for affordable housing construction. However, there is still a gap in affordable housing funds. At present, the government of our country has a lot of financial pressure and the sustainable development of housing security has some constraints. Looking into the future, China’s affordable housing needs to actively explore new ways of financing, obtain diversified sources of funds and attract more social funds in the hope of developing more financing channels to raise funds for the sustainable development of housing construction.