| 国外住宅消费融资的经验比较与启示 |
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| 引用本文： | 廖湘岳,潘爱民.国外住宅消费融资的经验比较与启示[J].地质技术经济管理,2008(7):80-83. |
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| 作者姓名： | 廖湘岳 潘爱民 |
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| 作者单位： | 湖南科技大学商学院,湖南湘潭411201 |
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| 基金项目： | 国家社科基金课题《城市弱势群体住宅消费问题研究》（04CJL006）的阶段性成果之一,同时得到湖南省社会科学基金项目（07YBB232）与上海财经大学博士创新基金项目《中国房地产市场非有效性问题研究》的资助. |
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| 摘 要： | 随着城市化水平的提高和人们消费结构的升级，住宅消费成为人们消费的重点。在住宅潜在需求很大的今天，住宅消费融资是把住宅潜在需求转化为实际需求的一个很重要的环节。文章从国外住宅消费融资模式的比较与经验借鉴出发，结合我国现行模式的特点和当前的经济状况，对我国的住宅消费融资模式的发展和完善进行了探讨。
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| 关 键 词： | 住宅消费融资模式 市场化抵押贷款模式 强制储蓄模式 合同储蓄模式 |
A Comparison of the Experience of Foreign-Housing-Consumption Fi-nancing and Its Enlightenment |
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| Liao Xiangyue,Pan Aimin.A Comparison of the Experience of Foreign-Housing-Consumption Fi-nancing and Its Enlightenment[J].Geological Technoeconomic Management,2008(7):80-83. |
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| Authors: | Liao Xiangyue Pan Aimin |
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| Institution: | (Business School of Hunan University of Science and Technology, Xiangtan 411201, China) |
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| Abstract: | With urbanization enhancing and people＇s consumption structure upgrading, housing consumption becomes the focus of people＇ s consumption. With today＇ s potential demand becoming larger, housing-consumption financing is a very important link turning the potential demand of housing into the actual demand. Considering China＇s current housing-consumption financing, this paper probes the development and improvement of China＇ s housing-consumption financial modes anti the economic situation in China, based on the characteristics of foreign housing-consumption financing modes. |
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| Keywords: | housing-consumption financing mode market-orientedsecured loan forced saving contract deposit mode |
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