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住房维护更新资金制度:意义、问题及创新思路

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当前,我国住房发展已进入存量时代,城镇住房面临安全隐患凸显、维修养护任务繁重、过去拆除重建方式难以持续等新形势.然而,现有各类维修和更新、改造资金未覆盖住房发展全生命周期,住宅专项维修资金的使用、续筹和管理上存在多重困境,产权人履行出资责任的意愿不足,政府补助资金渠道少,亟需突破制度困境.要充分利用我国大规模维修养护和重置更新需求到来前的窗口期,结合国际经验和我国住房发展实际,坚持全生命周期管理、权利义务对等、"取之于房、用之于房"和可持续更新的原则,在不新增业主负担的情况下建立住房维护更新资金制度,明确个人账户、公共账户的资金筹措和使用规则,完善住房保险和住房体检配套制度,为住房维修养护和重置更新提供资金和制度保障.
Housing Maintenance and Replacement Fund System:Significance,Problems and Innovative Ideas
At present,China's housing development has entered the era of stock,and urban housing is facing challenges of potential safety hazards,heavy burden of housing maintenance,and the unsustainability of the demolition-and-rebuild approach.However,existing maintenance funds cannot cover the full life cycle of housing development,and housing special maintenance funds face challenges in use,funding continuation,and management.Additionally,property own-ers have low willingness to fulfill investment responsibilities,and government subsidy channels are limited,necessitating a breakthrough in institutional dilemmas.This paper proposes that we should make full use of the window period before large-scale maintenance and replacement needs arise in China,draw from international experience,and align with China's housing development realities.The principles of full life-cycle management,balance of rights and obligations,"what is taken from housing is used for housing,"and sustainable renewal should guide the establishment of a housing maintenance and replacement fund system without increasing the burden on home-owners.The financing and usage rules of personal accounts and public accounts,along with im-proving the housing insurance and housing inspection systems to provide financial and institution-al guarantees for housing maintenance and replacement.

Housing Maintenance and Replacement FundMaintenance of HousingRe-placement of HousingHousing Institution

李晓龙、浦湛、张理政

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中国社会科学院大学城乡建设经济系

住房维护更新资金 维修养护 重置更新 住房制度

2024

行政管理改革
国家行政学院

行政管理改革

CHSSCD北大核心
影响因子:0.759
ISSN:1674-7453
年,卷(期):2024.10(10)