文档介绍：河北大学
硕士学位论文
城镇居民多层次住房保障制度研究
姓名:宋伟民
申请学位级别:硕士
专业:经济法学
指导教师:孟庆瑜
20100601
摘要
摘要
随着我国改革开放的逐渐深入,住房制度改革也随之展开,在住房制度改革前,我
国福利性的住房保障制度,政府和单位提供居民的大部分住房,但是由于政府会因此背
负沉重的财政负担,所以住房制度改革势在必行。住房制度改革目标是建立以市场配置
资源为主的多层次住房保障体系,对不同的收入家庭实行不同的住房保障模式,针对最
低收入家庭提供由政府提供的廉租住房,而对于中低收入家庭则实行经济适用房政策,
同时还开展了住房金融保障工作,大力实行住房公积金制度,为城镇职工扩宽融资渠道。
住房制度改革改善了城镇居民的居住条件,但是在具体实施中叶存在着很多的问题,主
要包括我国城镇住房保障制度的法律缺位使得制度基础薄弱,从而在执行中政府和相关
机构执行力不足,权利寻租行为严重等问题。从而使得很多低收入家庭的住房需求不能
够得到很好的满足,这就要求我们对住房保障制度进行从新的制定。本文从住房保障方
向出发,借鉴国外先进经验,并结合我国的实际住房保障情况,进行住房的供求关系、
居民收入水平以及财政能力等情况进行比较分析,从中找出一条适合我国实际国情的住
房保障之路。

关键词住房保障国外住房保障住宅保障法
I
Abstract
Abstract
Before the housing system reform in China, the town is material distribution, low rent
housing guarantee system, the welfare of the housing residents by government or units,
basically can guarantee the home ownership. In the old housing welfare system, due to the
low rent housing, difficult to maintain normal maintenance, government bears heavy financial
burden. Housing system reform, market in the market in resource allocation of stratified by
supply system, the government's goal is to different e families adopt different forms of
housing supply: the lowest e families by government or leasing housing units provide,
in low-e families buy economy applicable room, other high-e families buy or rent
housing market. Housing system reform has greatly improved the living conditions of urban
residents, housing and economy applicable room affordable housing to solve the urban social
vulnerable groups, the system of housing accumulation fund of housing problems of
low-e families partial town increased the capacity to pay. But the operation practice
shows that the implementation and goal exists between the larger gap. Economy is applicable
housing system of low-rent housing, the housing accumulation fund system in the settlement
and towns in low-e housing problems have played a positive role in, also have problems.
At present,