| Along with our country socialist market economy system constantly deepening and perfect social security system, housing guarantee system construction has gradually become the current and future the emphasis of the reform of town housing system. In recent years, China’s real estate market development is not balanced; housing supply and demand structure contradiction highlight, housing prices is growing rapidly. To speed up the construction of affordable housing, solve the common people live in our country has become a current or future government an important task. In the national economy and social development12th five year plan "the central government put forward the basic demand should be based on security, guide the rational consumption, speed up the construction of the government give priority to provide basic guarantee, the market gives priority to satisfy multi-level of demand and supply system of housing.Housing industry in China real estate guaranty since2000, since the development, for the melt housing accumulation fund loan risk, stimulate housing consumption market, played an important role in stimulating domestic demand, solve the difficult working-class loans, lenders lending risk is big contradiction. Through decades of management, housing home buyers guarantee-agencies already established a set of standard operation mode and procedures, become improving low-income residents living conditions, improve the housing guarantee system, important institutions."12th five year plan" period, our country will build36million sets of security houses. Security houses in the city housing area will be20%ratio. After security houses completion, the urgent need to housing guarantee agencies for homeownership by low-income family provide policy guarantee, and help them to buy or lease security houses. At the same time, along with the advancement of urbanization in our country, the housing problem is still the next10-15years of hot topic; housing home buyers guarantee agencies will face new opportunities for development. In this context, the housing industry how to reposition homeownership guarantee, seek and grasp the new development opportunity, especially in the housing guarantee system play the role of the security policy, for home buyers will guarantee the development of the industry will provide helpful to explore.As foundation and background of housing loan guarantee, real estate credit riskmanagement, real estate supply and demand, the basic theory and social responsibility theory, this paper combines the methods of the case study and normative research. Combining the housing loan guarantees in present, this paper states the background and the function of housing guarantee management mechanism, analyzes housing guarantee management mechanism in real estate the shortages and reason. As an example of An Qing real estate Company, this paper analyzes housing guarantee mechanism of real estate operation status and existing problems, and puts forward the corresponding countermeasures. Accordingly, the proposed our home affordable housing guarantee management mechanism countermeasures, and then discusses the government guarantee to housing home buyers reorientation of and the industry regulator, and put forward to set up the national housing guarantee of real estate group.The paper is on the basis of analysis a company case, combines with the development of the industry process, and analyzes the present situation of affordable housing guarantee management mechanism. Then the paper puts forward the housing security under the framework of home affordable housing guarantee management mechanism, and provides theoretical and empirical references to guarantee the sustainable development of real estate industry housing. These are the features and innovative points of the paper. |
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