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中德住房储蓄银行对我国住房消费信贷的启示

摘要: 第2期成功,中德住房储蓄银行,这一新的融资渠道的成立,也将会是我国金融业进一步对外开放的重要标志,有着不可忽视的影响。它不仅对我国开拓新的金融业务具有重要的实践意义,也对我国进一步扩大金融市场的对外开放,促进我国金融事业的发展,具有重要的探索意义[7]。注释及参考文献:[1]Bhatia,Kul.RealEstateAssetsandConsumerSpending[J].QuarterlyJournalofEconomics,1987,102(2),437~444.[2]Hendershott,PatricH.andJoePeek.RealHouseholdCapitalGainsandWealthAccumulation[J].TheLevelandCompositionofHouseholdSaving(Ballinger:Cambridge,MA),1985.[3]李惠萍.德国的住宅金融体制[J].中国房地产信息,1998,3.[4]谢家瑾.德国住房储蓄的特点和作用[J].中大房地产信息,1997,7、8.[5]成思危.中国城镇住房制度改革——目标模式与实施难点[M].北京:民主与建设出版社,1999.[6]李峻岭.德住房储蓄大王结盟建行,固定利率考验管理层底线[N].21世纪经济报道,2002/03/04.[7]董银霞.小议我国住房储蓄银行的发展[J].哈尔滨商业大学学报(社会科学版),2006,3:47~49.[8]曲波,谢经荣,等.中国房地产周期波动的评介与探析[J].中国房地产金融,2003,2:10~13.[9]王家庭.建立中国住房储蓄银行的构想[J].理论学刊,2004,4:22~25.[10]郁文达.房地产周期和金融政策[J].中国房地产金融,2003,9:8~11.[11]郜文革.我国住房储蓄银行前景如何有待市场检验[J].市场周刊,2004,7:50~52.[12]祝平衡,张帛宁.住房储蓄银行在我国的发展前景分析[J].科技创业月刊,2004,9:215~216.[13]王家庭,于秀娟.关于建立我国住房储蓄银行的探讨[J].城市,2003,1:49~52.[14]刘晓君,庞永师.构建我国多元化的住房融资模式的设想[J].建筑经济,2002,8:38~39.[15]张恩照.成立住房储蓄银行,发展住房储蓄业务[J].中国房地产金融,2003,2:3~6.EnlightenmentofSino-GermanBausparkassetoChineseHousingLoanSHAZhi-jie1,WANGYi-yi2(1.EnvironmentalProtectionBureauofJingyangtown,DeyangCity,Deyang,Sichuan618000;2.ChinaEverbrightBankofNingboCity,Ningbo,Zhejiang315200)Abstract:Sino-GermanBausparkassewhichwasauthenticallythefirsthousingsavingbankinChinawasopened.Thesystemofhousingsavingandhousingaccumulationfundwerecomparedinthispaperfirstly.Afterthat,thesituationandtheproblemsofthehousingsavingbankincurrentChinawereelaborated.Thentheforegroundofthenewhousingfinancingwhichwascombinedwiththesystemofhousingsavingandhousingaccumulationfundwasanalyzed.Basedonthese,thesuggestionsforconsummatingChinesehousingfinancingsystemwereadvised.Keywords:Sino-GermanBausparkasse;HousingSaving;HousingAccumulationFund;HousingPolicy(责任编辑:周锦鹤)沙之杰,王一祎:中德住房储蓄银行对我国住房消费信贷的启示··91 ...

2
立,也将会是我国金融业进一步对外开放的重要
志,有着不可忽视的影响。它不仅对我国开拓新
金融业务具有重要的实践意义,也对我国进一步
展,具有重要的探索意义
[7]
注释及参考文献:
[1]Bhatia, Kul. Real Estate Assets and Consumer Spending[J]. Quarterly Journal of Economics, 1987,102(2),437~444.
[2]Hendershott, PatricH.and Joe Peek. Real Household Capital Gains and Wealth Accumulation[J]. The Level and Composition
of Household Saving (Ballinger: Cambridge, MA), 1985.
[3]李惠萍.德国的住宅金融体制[J] .中国房地产信息,1998,3.
[4]谢家瑾.德国住房储蓄的特点和作用[J] .中大房地产信息,1997,7、8.
[5]成思危.中国城镇住房制度改革
—目标模式与实施难点[M] .北京:民主与建设出版社,1999.
[6]李峻岭.德住房储蓄大王结盟建行,固定利率考验管理层底线[N] .21世纪经济报道,2002/03/04.
[7]董银霞. 小议我国住房储蓄银行的发展[J] .哈尔滨商业大学学报社会科学版,2006,3:47~49.
[8]曲波,谢经荣,等.中国房地产周期波动的评介与探析[J] .中国房地产金融,2003,2:10~13.
[9]王家庭.建立中国住房储蓄银行的构想[J].理论学刊,2004,4:22~25.
[10]郁文达.房地产周期和金融政策[J] .中国房地产金融,2003,9:8~11.
[11]郜文革.我国住房储蓄银行前景如何有待市场检验[J].市场周刊,2004,7:50~52.
[12]祝平衡,张帛宁.住房储蓄银行在我国的发展前景分析[J] .科技创业月刊,2004,9:215~216.
[13]王家庭,于秀娟.关于建立我国住房储蓄银行的探讨[J] .城市,2003,1:49~52.
[14]刘晓君,庞永师.构建我国多元化的住房融资模式的设想[J] .建筑经济,2002,8:38~39.
[15]张恩照.成立住房储蓄银行,发展住房储蓄业务[J] .中国房地产金融,2003,2:3~6.
Enlightenment of Sino-German Bausparkasse to Chinese Housing Loan
SHA Zhi-jie
1
WANG Yi-yi
2
1. Environmental Protection Bureau of Jingyang town, Deyang City,Deyang,Sichuan 618000;
2. China Everbright Bank of Ningbo City,Ningbo,Zhejiang 315200
Abstract: Sino-German Bausparkasse which was authentically the first housing saving bank in China was
opened. The system of housing saving and housing accumulation fund were compared in this paper firstly. After that,
the situation and the problems of the housing saving bank in current China were elaborated. Then the foreground of
the new housing financing which was combined with the system of housing saving and housing accumulation fund
was analyzed. Based on these, the suggestions for consummating Chinese housing financing system were advised.
Key words: Sino-German Bausparkasse;Housing Saving;Housing Accumulation Fund;Housing Policy
责任编辑:周锦鹤
沙之杰,王一中德住房储蓄银行对我国住房消费信贷的启示
·· 91

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