The Housing Social Security Theory Research And Application

At this stage, China is in the city the population has increased rapidly, growing gap between rich and poor, city commercial housing prices are high. Therefore, low-income families can not through their own economic strength to solve the housing problem, housing has become their life cannot bear is heavy, appeared "dwelling", the "ant tribe " and other social phenomenon. Establishing the housing guarantee system, is the national duty and responsibility.In this paper, analysis of the domestic and foreign scholars study the housing security and housing security theory of international experience, from consumer economics, microeconomics, public administration and sociology and multidisciplinary field, describes the system to support the housing security system theory, including n Keynes’s theory of effective demand, the theory of the welfare state in the Western countries, housing filtration theory, housing gradient consumer theory, theory of equitable distribution of social exclusion theory and residents isolation theory. These theories and doctrines that China’s housing security system will improve the strong theoretical guidance. From the housing demand and supply, we put forward the theoretical framework of the housing security system, the housing security level, the security object and scale.We established the urban households housing security income line model and housing security scale prediction model. Through the comparative analysis of the international housing security experience, combined with China’s specific national conditions, according to the urban residents of the housing capacity to pay housing apartment layout, we design the housing of town dweller family security line. This paper is designed to protect the housing apartment layout standard, single housing area of45square meters,55square meters and65planar three schemes. Down payment ratio of housing loans is set at30percent, the loan period is20years, and then come home loans monthly payments, and then get the annual repayment amount, and finally divided by the annual amount of housing consumption to income ratio (taking40%),housing guaranteed income line. Housing security income line and predict the classification of income of urban residents, Liaoning Province from2012to2016, the proportion of housing security and housing security demand forecast, a dynamic analysis of the housing security system in Liaoning Province, government housing security policy favorable quantitative reference...