CAJ | 학술논문

现有住房保障对象界定研究多以定性研究为主，且鲜少考虑居民的住房支付能力问题。文章以“价格”为导向，基于按揭贷款和租金收入比视角分别给出了产权型保障房和租赁型保障房的住房保障对象界定思路与方法。以天津市为案例，在明确界定不同类别保障房的保障对象的基础上，确定了天津市不同收入群体各类保障房支出费用占家庭收入的上限与下限，应用上述研究思路与方法界定了两个案例的准入标准。研究结果表明，保障房准入标准设计需要全面考虑“价格”和“住房支付能力”，而且应当以家庭收入“范围”取代“界线”来界定保障房准入标准。本研究思路与方法可赋予申请者更多的保障机会，能够提高保障效率和实现保障效果。最后，从配套措施、价格确定、贷款风险和退出机制等方面给出了政策建议。
현유주방보장대상계정연구다이정성연구위주，차선소고필거민적주방지부능력문제。문장이“개격”위도향，기우안게대관화조금수입비시각분별급출료산권형보장방화조임형보장방적주방보장대상계정사로여방법。이천진시위안례，재명학계정불동유별보장방적보장대상적기출상，학정료천진시불동수입군체각류보장방지출비용점가정수입적상한여하한，응용상술연구사로여방법계정료량개안례적준입표준。연구결과표명，보장방준입표준설계수요전면고필“개격”화“주방지부능력”，이차응당이가정수입“범위”취대“계선”래계정보장방준입표준。본연구사로여방법가부여신청자경다적보장궤회，능구제고보장효솔화실현보장효과。최후，종배투조시、개격학정、대관풍험화퇴출궤제등방면급출료정책건의。
The existing researches about the definition of housing security object are inclined to use qualitative research methods , but lack to take housing affordability into account. However, the prices are used as the guide here, provided the defining ideas and methods for different types of security housing, based on the perspective and ratio of the given mortgages and rental property incomes respectively. Taken Tianjin as example, based on security object of different types of affordable housing, it is determined the proportion of affordable housings' expenditures on family incomes among different income groups in Tianjin from upper limits and low limits. The research ideas mentioned above and methods to define the access standards of two cases are applied. The results show that the design of affordable housing access standards should take into account both the "price" and "housing affordability". Also , it is necessary to repl-ace the"boundary"with the"scope"of family income to define the criteria. The research ideas and methods can provide applicants more opportunity, improve the security efficiency and achieve the security effect. Finally, the policy recommendations are given in terms of supporting measures, price determination, and loan risk with exiting mechanism.