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宝鸡市廉租住房融资模式及住户可承受力的实证研究摘要近年来，房地产市场持续升温，房价迅速攀升，高昂房价对城市低收入家庭住房需求造成严重的打击，此时廉租住房建设的重要性及紧迫性显得尤其重要。我国廉租住房建设起步较晚，且缺乏专用财政支出账户，有限的资金阻碍了廉租住房发展的规模和速度，地方政府对廉租住房建设也处于资金不足的尴尬处境。廉租住房公共产品属性的非营利性又不利于私人投资，更加制约了廉租住房的发展。而宝鸡市对廉租住房采用实物配售方式分配，充分发挥了有限资金的使用效率，具有杠杆效应，与传统的廉租住房资金投入方式形成显明对比。本文首先对国内外廉租住房融资模式进行对比分析，其次对引入了宝鸡市廉在住房融资模式，运用描述性统计分析了宝鸡市廉租住房发展状况及廉租住户可承受力的影响因素，最后得出本文的结论。以下是本文的研究内容：第一章导论。主要分析研究廉租住房融资的背景和相关研究文献综述，明确本文研究的目的和意义、研究框架、内容和方法，以及本文研究的可能创新与不足。第二章阐述了保障性住房的定义以及保障性住房融资模式，并且了分析保障性住房的内涵、外延以及相关理论。第三章对国外发达国家：美国、法国、德国、日本等的保障性住房融资模式进行对比分析，并总结对我国保障性住房发展的影响。概述我国廉租住房融资模式的特点、运营环境及效果评价等。第四章，对宝鸡市廉租住房融资模式的现状分析，并且运用博弈分析法证明政府和私人合作建房的可行性。第五章宝鸡市廉租住房实物配售融资模式的实证分析。第六章采用问卷调查方式对宝鸡市新福园一区、二区、三区廉租住房住户调查，并且分析宝鸡市廉租住房小区受访对象的基本状况，如受保障范围、收入水平、对小区的满意程度等，运用logistic模型分析收入家庭实物配售可承受力的影响因素分析，并得出相关结论。第七章得出本文研究的结论。关键词：廉租住房;低收入家庭;融资模式;可承受力;宝鸡市THEEMPIRICALSTUDYONFINANCEINGMODELANDAFFORDABILITYFORPUBLICHOUSINGINBAOJICITYABSTRACTInrecentyears,therealestatemarketcontinuestoheatupandhousepricesarerisingrapidly,butthehighpriceforhousingdemandoflow-incomeurbanfamilyisbecomingserious.Firstofall,theconstructionoflow-renthousingstartlaterandthefinancialexpensesaccounthasn’tsetupuntilthisdays,soit’snodoubtthatthelimitedfundsprobablyhinderthescaleandspeedoflow-renthousingdevelopment.Forthesecond,thelocalgovernmentisintheembarrassingsituation.Bycomparingthedifferenceofthedomesticandtheinternationallow-renthousingfinancingmodel，wecanlearnfromforeignexperience,andmakesuggestionsforourexistinglow-renthousingfinancingmodel.Inthisarticle,wemainlytalkaboutthespecialfinancingmodelofBaojicity,comparingthedifferenceofthemodelofBaojicityandtheforeigncountry,andthenit’sfocusontheAnalyzesoftheinfluencingFactorsforthebearableforceofthefamilythatbuythelow-renthousing,taketheconclusionofthewholearticle.Theresearchcontentofthisarticleisasfollow:Part1:Themainanalysisisthebackgroundandrelatedresearchliteraturereviewoflow-renthousingfinancing,clearingthepurposeinthispaperPart2:Explainthedefinitionoffinancingmode,andtheanalysisofrelatedtheory.Part3:Comparingthedifferencebetweendevelopedcountriesinlow-renthousingfinancingmodel.Part4:Thecurrentsituationanalysisoflow-renthousingfinancingmodeinBaojicity.Part5:Theempiricalanalysisonthefinancingmodelwhichhadbeenboughtforthelowrenthousingfamily.Part6:AnalyzesoftheinfluencingFactorsforthebearableforceofthefamilywhichbuythelow-renthousing.Part7:Wecandrawtheconclusionofthispaper.KeyWords:low-renthousing,low-incomefamilies,financingmodel,bearableforce,Baojicity目录第一章导言........................................................................................................................1 1.1政策背景.......................................................................................................................1 1.2现实背景.......................................................................................................................1 1.3研究目的和意义...........................................................................................................2 1.3.1研究目的.............................................................................................................2 1.3.2研究意义.............................................................................................................2 1.4国内外相关研究动态综述...........................................................................................3 1.4.1国外住房保障研究动态....................................................................................3 1.4.2国内住房保障研究动态....................................................................................4 1.5研究思路和方法...........................................................................................................5 1.5.1研究思路.............................................................................................................5 1.5.2研究方法.............................................................................................................6 1.6研究的主要内容...........................................................................................................7 1.7可能的创新之处...........................................................................................................7 第二章相关概念界定与理论基础........................................................................................8 2.1相关概念界定...............................................................................................................8 2.1.1社会保障.............................................................................................................8 2.1.2保障性住房.........................................................................................................8 2.1.3低收入家庭.........................................................................................................8 2.1.4廉租住房.............................................................................................................8 2.2廉租住房金融支持基础理论.......................................................................................9 2.2.1公共产品理论................................................................................