我国保障性住房置业担保管理机制分析——以a公司为例

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1、AbstractAlongwithourcountrysocialistmarketeconomysystemconstantlydeepeningandperfectsocialsecuritysystem，housingguaranteesystemconstructionhasgraduallybecomethecurrentandfuturetheemphasisofthereformoftownhousingsystem．Inrecentyears，China’Srealestatemarketdevelopmentisnotbalanced；

2、housingsupplyanddemandstructurecontradictionhighlight，housingpricesisgrowingrapidly．Tospeeduptheconstructionofaffordablehousing，solvethecommonpeopleliveinourcountryhasbecomeacurrentorfuturegovernmentanimportanttask．Inthenationaleconomyandsocialdevelopment12thfiveyearplan”thecentr

3、algovernmentputforwardthebasicdemandshouldbebasedonsecurity,guidetherationalconsumption，speeduptheconstructionofthegovernmentgiveprioritytoprovidebasicguarantee，themarketgivesprioritytosatisfymulti．．1evelofdemandandsupplysystemofhousing．HousingindustryinChinarealestateguarantysin

4、ce2000，sincethedevelopment，forthemelthousingaccumulationfundloanrisk，stimulatehousingconsumptionmarket，playedanimportantroleinstimulatingdomesticdemand，solvethedifficultworking．classloans，lenderslendingriskisbigcontradiction．Throughdecadesofmanagement，housinghomebuyersguaranteeag

5、enciesalreadyestablishedasetofstandardoperationmodeandprocedures，becomeimprovinglow-incomeresidentslivingconditions，improvethehousingguaranteesystem，importantinstitutions．‘‘12thfiveyearplan”period，ourcountrywillbuild36millionsetsofsecurityhouses．Securityhousesinthecitvhousingarea

6、willbe20％ratio．Aftersecurityhousescompletion，theurgentneediohousingguaranteeagenciesforhomeownershipbylow—incomefamilyprovidepolicyguarantee，andhelpthemtobuyorleasesecurityhouses．Atthesametime，alongwiththeadvancementofurbanizationinourcountry,thehousingproblemisstillthenext10—15y

7、earsofhottopic；housinghomebuyersguaranteeagencieswillfiaceneWopportunitiesfordevelopment．Inthiscontext，thehousingindustryhowtorepositionhomeownershipguarantee，seekandgraspthenewdevelopmentopportunity,especiallyinthehousingguaranteesystemplaytheroleofthesecuritypolicy,forhomebuyer

8、swillguaranteethedevelopmentoftheindustr