我国实施住房抵押贷款证券化的迫切性及运作模式

从住房抵押贷款证券化的迫切性入手 ,通过对我国现阶段实施住房抵押贷款证券化存在障碍的分析 ,力求探索出有中国特色的住房抵押贷款证券化模式。     

Balancing regulation and affordability of housing

Housing regulation is a growing concern because affordability of housing has been declining and regulations which increase housing costs have been escalating. Many of the regulations which have been adopted fulfill goals of protection of health, safety, or welfare; preservation of the environment; or improved energy conservation. Little attention, however, has been paid to the effect of these regulations on affordability. This article reviews the role of government regulation on housing, and discusses the parameters of the affordability/regulatory issue.Helpful comments and suggestions were made by Vincent Brannigan, Bob Cleveland, Deborah Godwin, Roger Swagler, Anne Sweaney, and Frank Walter.Dr. Meeks received her Ph.D. from The Ohio State University and is interested in housing economics and policy, and the economic well-being of households.     

Housing tenure,structure, and crowding among Latino households

This article examines the effect of federal housing and public assistance programs on the housing quality of different Latino households. The research tests models of crowding and housing tenure and structure for Latino households. The data for this research are from the 1990 Latino National Political Survey-Panel Study of Income Dynamics (LNPS-PSID). Findings reveal that housing and public assistance programs do help alleviate crowding among the Latino population, but they do not help Latino households achieve ownership of a single-family home. All the demographic variables in the model contribute to the explanation of crowding, and a majority also significantly explain housing tenure and structure. Significant differences are found among Latino subgroups in the explanatory variables for crowding, tenure, and structure. She is also the director of the Center for the Study of Aging at Illinois State. Her research interests include housing of minority households and congregate housing for the elderly. She received her Ph.D. from Iowa State University. Her research interests include housing needs of Latino households, resource management of female-headed Puerto Rican households, fertility decisions of Puerto Rican women, and student labor force participation. She received her Ph.D. from the University of Illinois.     

Homelessness as one component of housing instability and its impact on the development of children in poverty

The number of families with children living in poverty and experiencing housing instability and homelessness has increased dramatically over the last two decades. Current public policy decisions will lead to further increases. Understanding the impact of this instability on the emotional, behavioral, and cognitive development of children is imperative. Few studies critically examine the effects of instability on both domiciled and homeless children. This research examined the effects of homelessness and housing instability on 133 children 8 to 12 years of age living in poverty. Results indicate that whether a child is currently homeless is not as significant as overall stability which may have a long ranging effect on a child's future development.     

Poverty and social conditions in Poland during the transformation to a market economy

The social welfare system in Poland was changed during the 1990s. The full employment policy, as a guarantee for social security, was abandoned and the institutions through which social resources were distributed were replaced. State-owned enterprises previously fulfilled certain social functions; the necessary resources came from state subsidies and from obligatory funds: housing and social funds as well as a proportion of wage costs. Thus, the prices of many types of important consumption goods (such as food and housing) were fixed at a relatively low level. The elimination of subsidies resulted in the bankruptcy of many state-owned enterprises which, in turn, led to the diminished importance of the social security function of industrial enterprises. Their role in the newly created social welfare system was taken over by social welfare centers, through which assistance was distributed to those in need. Besides the traditional recipients of social assistance, a growing number of unemployed people, who comprise approximately 14% of the productively active citizens, have also begun collecting assistance.     

住房贫困问题是中国城市化的核心问题——基于中国如何跨越“中等收入陷阱”的思考

国际经验表明,只有那些有能力在城市化过程中解决住房贫困问题的国家或地区,才有可能最终实现对"中等收入陷阱"的成功跨越;反之,一个国家或地区则可能长期陷入"中等收入陷阱"的泥潭中不能自拔。中国正处于从中等收入国家向高收入国家跨越的历史性阶段,从工厂集体宿舍、"城中村"、"群租房"等现象中看到中国城市的住房贫困问题存在不断加剧的趋势。如果这种趋势不能从根本上得到扭转,中国将可能步拉美国家后尘,长期挣扎于"中等收入陷阱"的泥潭之中。中国未来城市化的核心,即所谓"人的城市化"的核心,不在于户籍制度的开放,更重要的是解决城市的住房贫困问题。     

城乡一体发展视角下“小产权房”稳妥流转的路径——从利益和制度成本的维度展开

由于利益驱使,"小产权房"以各种方式逐渐壮大并颇具规模,成为困扰我国房地产市场的一个大问题。当前,城乡二元结构是制约城乡发展一体化的主要障碍,有关农村建设用地流转的土地制度改革势在必行。"小产权房"问题必须在城乡一体发展的思路下统筹解决,通过甄别房屋具体情况,在平衡相关利益的基础上,区分对待。"小产权房"这一习惯意义上使用的不规范概念终将变成历史名词。     

多中心治理视角下的保障性住房问题研究

保障性住房建设作为矫正市场失灵、解决中低收入群体住房问题的重要举措是民生保障的重要内容。经过多年的改革发展,我国保障性住房建设已经步入制度化轨道,形成了包括经济适用住房、廉租住房、公共租赁房、限价房在内的不同发展模式,在一定程度上解决了中低收入家庭的住房问题。但仍存在着性质不清晰、供给主体单一、竞争机制缺乏等突出问题,从根源上来看这些问题都是由于过分依赖政府力量,而未能发挥市场、社会等多元主体共同作用所造成的后果。本文认为应在多中心治理理论的指导下,注重政府、市场、社会等多元主体的有效合作,借鉴国外“市场——救助”“市场——福利”和政府有限管制等典型模式的经验,从供给层次、监管机制、融资渠道等方面全面完善保障性住房建设体系,实现住房保障体系的有效供给和优化配置。     

广州市住宅现状及需求调查分析

文章基于入户调查统计资料,对广州市户籍居民居住现状和需求趋势进行了分析研究。其中对现有住宅性质、面积等分析有助于住宅发展商对广州市户籍居民现有住宅状况进行了解;而对消费者对住宅需求的趋势分析,包括拟购住宅的动机、时间、区位、价格等,有助于房地产公司进行住宅投资区位选择,制定STP战略和营销组合策略,以满足顾客对住宅的各种消费需求。这些数据及分析也将有助于政府制定房地产政策,包括制定较合理的土地拍卖价格等。     

辽代皇族六院部夷离堇房相关问题考

本文利用新解读的辽代契丹文石刻资料研究成果,与汉文石刻资料及文献史料相互印证,对《辽史》的《皇族表》、《皇子表》及传、纪中关于皇族六院部夷离堇房记载不清楚的问题及错误予以匡正,搞清了痕得瘾.帖剌、解里宁.蒲古只和曷鲁宁.匣马葛三个历史人物的父子关系,解决了长期以来学术界关于这三个人物到底是一个人还是两个、三个人的争议问题。同时,纠正了《辽史》中的某些错误记载,也纠正了以往学界对《耶律羽之墓志》的误读,厘清了辽皇族六院部夷离堇房复杂的世系,列出清楚的世系简表。又对帖剌与玄祖被害案、蒲古只与释鲁被害案等问题作了初步探讨。