重庆市县域商品房价格时空变化特征研究——基于空间统计分析法

以2005—2015年重庆市38个区（县）商品房价格数据为样本,利用空间自相关等空间统计分析方法对重庆市县域商品房价格的空间分布和时空演变特征进行研究。研究结果表明：渝东北地区商品房价格稳定性相对最好,渝西地区次之,渝东南地区再次之,主城区商品房价格稳定性最差;重庆市商品房价格具有较强的空间集聚性,但随着时间的推移,空间集聚性逐渐减弱,商品房价格空间差异逐渐缩小;重庆市商品房价格区域差异呈现明显的空间二元结构,房地产发展热点区域主要集中于主城九区,远郊区县的房地产发展相对缓慢。     

中国大中城市地价对房价影响的实证研究

随着中国市场经济的迅速发展,房地产行业已成为推动国民经济的重要力量,而近年来的高房价现象已引起了全社会的关注。笔者采用2000-2008年中国4个直辖市和西部大中城市为样本,基于Panel Data的无约束模型,并以重庆为例对比分析了地价对房价的影响。研究结果表明:从总体来看,地价对房价的影响具有一致性,但对各个城市而言,还存在着一定的差异。所以,应采取相应的措施以确保房地产市场健康和稳定地发展。     

房地产证券化的性质条件及在我国发展的障碍

房地产证券化的发展要求广泛的社会和市场条件 ,如成熟的房地产市场、证券市场、抵押贷款一级市场和担保市场。房地产证券化要求一级贷款市场为抵押贷款 ,而目前我国多采用担保贷款 ,如保证贷款、质押贷款等 ,这些贷款方式将贷款的债权债务关系复杂化 ,不适宜于建立抵押贷款二级市场。开展房地产证券化 ,就要规范、量化抵押房屋 ,要规范住宅抵押贷款行为 ,建立可操作的抵押贷款法规和制度。目前我国还没有推行房地产证券化的社会和法规条件 ,但可以做一些预研究或在条件成熟地区 (如深圳 )做小型试验     

分贷统还合同的法律性质与违约风险化解

分贷统还合同为政府通过合约统一贴息实现了扶贫资金的公司化运作,有效地发挥财政扶贫资金的整体效益,但也产生了合同法律性质认定争议大、合同履行易受政策变化影响;户贷企用导致贷款用途和资金安全存在风险,公司分红还款系统性违约等弊端,如公司经营不善,贷款亏空,一旦出现系统性违约,不仅影响农村社会稳定和政府公信力,司法机关亦将面临纠纷批量涌入的现实问题。为趋利避害,分贷统还合同有必要在综合衡量扶贫目的、公司盈利及扶贫责任和银行资金安全的基础上,调整户贷企用政策,甄别债权类型,考虑违约的具体情势,从实操层面化解分贷统还合同违约风险。     

经济适用房小区居民满意度评价——基于上海相关小区的实证分析

以往有关经济适用房的研究主要针对保障性住房制度与思路及对策建议,而对于经济适用房小区居民的满意度很少涉及,导致解决问题的方法总是有所欠缺。从城市居民角度,通过对居住条件、基础设施、公共设施、交通状况等硬件设施,以及居住小区社会秩序、人际关系等诸多因素在内的一系列相关问题进行调查,发现居民对小区发展成果的体验是通过对自身生活质量的感知来实现的,所以居民对小区发展的满意,也就是民众对小区发展中同自身生活相联系的方方面面的满意。由此建立起经济适用房小区居住满意度评价模型。     

关系型贷款、市场结构与小额贷款公司使命漂移

我国小额贷款公司发展极为迅速,但小微企业融资难问题依然严峻,小额贷款公司存在着显著的使命漂移.对于微型金融机构的使命漂移问题,大量的研究主要以财务可持续性为视角.本文结合关系型贷款理论和市场结构理论并构建理论模型,以一个新的视角分析我国小额贷款公司的使命漂移问题,证明了开展关系型贷款和提升小额贷款市场的竞争程度均有利于小额贷款公司发放更多的小额贷款,增加小微企业等融资主体的信贷可得性,从而避免使命漂移.进一步的,通过对一个代表性城市小额贷款公司的相关数据分析,认为小额贷款公司使命漂移的内在原因是关系型贷款技术运用不足和小额贷款市场竞争程度较低.     

美国次贷危机发展演变及其启示

美国金融机构盲目的放贷行为及金融监管的不作为最终导致了美国次级房贷市场危机的爆发。尽管美国金融当局连续降息及注资,美国次贷危机仍愈演愈烈。中国同样存在这种隐忧,表现在经济增长的通胀压力、证券市场的泡沫及房地产市场的严重过热。因此,加强我国金融机构的监管已刻不容缓!     

Assessing NGO Empowerment in Housing Development Frameworks: Discourse and Practice in the Philippines

Amid the rise of democratization movements since the 1980s, many governments in developing countries have proactively introduced the ideas of decentralization and devolution into the policy arena. In the pursuit of democratic planning processes where civil society is encouraged to be a part of the formal decision-making system, articles advocating the empowerment of non-governmental organizations (NGOs) have been included into a series of legislations. This shift was soon reflected in housing development frameworks for the poor, leading to the formulation of a new approach called "enablement." The Philippines' experience for the last two decades follows this line of development. Filipino NGOs are now prescribed as a catalyst to add further dynamism to the improvement of substandard living environments. Empirical findings of this study exemplify that NGO empowerment has been increasingly accelerated by the combination of NGOs' self-endeavors and governments' initiatives. By utilizing the paradigm shift under the enablement approach, NGOs are engaged in the attempt of alliance-formation and network-building to expand their influence. Contrary to ideals, however, NGO empowerment may reveal some adverse effects such as excessive dependency on NGOs and distorted representation by NGOs. Moreover, the professionalization of NGOs is an additional factor which generates hierarchization at the grass-roots level. This study suggests that further research analyze the depth and width to which NGO empowerment has been penetrated in order to precisely capture the processes and consequences resulting in disempowerment.     

Housing interventions for homeless,pregnant/parenting women with addictions: a systematic review

Family homelessness is a growing problem in North America with most of these families headed by single women. Homeless women also experience high rates of pregnancy and addiction (drugs and alcohol). Housing interventions have been identified as key to addressing the complex needs of pregnant/early parenting, homeless women with addictions. The aim of this systematic review is to determine what housing models and programs for this population yield the best outcomes. We systematically searched 10 databases and retrieved eight articles describing four distinct studies that met the inclusion criteria for this review. Overall, improved outcomes were found for all intervention groups with the most recent and rigorous studies favoring models combining Housing First and case management. However, methodological limitations, study quality, and varied outcomes made comparison across studies difficult. Further research must be done in this area using standardized outcomes and rigorous designs to develop evidence-based best practice guidelines to address the unique needs of this population.     

The role of eviction in veterans’ homelessness recidivism*

Eviction is one of the leading causes of homelessness in the U.S.A. Though permanent supportive housing (PSH) helps participants maintain housing, some still leave due to eviction. This study aimed to determine whether eviction is an important predictor of recidivism and time to return to homelessness for participants exiting PSH. The characteristics and post-exit service use of 2802 Veteran PSH participants were analyzed based on exit reason. A Cox proportional hazards survival analysis modeled risk factors for returning to homelessness within 360 days of exit. Compared with other exiters, evicted Veterans remained in the program for less time, were less likely to be receiving service-connected compensation, and used more services – particularly mental health and substance use services – following their exit, and those who returned to homelessness did so more quickly. Identifying participants who might benefit from more intensive services, project-based housing, or income supports may prevent evictions and subsequent returns to homelessness.