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保障性住房是重要的民生课题,加快建设保障性安居工程,对于改善民生、促进社会和谐稳定具有重要意义。十二五规划国家对保障房建设的力度大幅加强。我国目前现有保障性住房融资模式是政府提供主要资金、自筹资金、社会机构提供为辅。但存在着融资渠道不畅,模式单一,担保机制不健全、手续繁琐等问题,存在着很大的资金缺口。加强对保障性住房建设资金的来源渠道、融资模式的探索研究,建立多样化的融资模式培育多元化的融资主体是当前推动我国保障性住房建设持续健康发展的重要保障。
Affordable housing is an important livelihood issue. Accelerating the construction of affordable housing projects is of great significance to improving people’s livelihood and promoting social harmony and stability. In the 12th Five-Year Plan, the state has greatly strengthened the construction of affordable housing. At present, the current affordable housing financing model in our country is provided by the government with the main funds, self-raised funds, supplemented by social institutions. However, there are problems such as poor financing channels, a single model, imperfect guarantee mechanism and complicated procedures. There is a large funding gap. To strengthen the exploration and study of the sources of funds for affordable housing construction and the exploration of financing modes and to establish diversified financing models It is an important guarantee to promote a sustainable and healthy development of China’s affordable housing to foster diversified financing subjects.