Research on the Reverse Declining Mode of Urban Housing Security Subsidy

摘要

In terms to the design of urban housing security system, this paper raises the idea that the way to achieve security should focus on "head" subsidies which can be subdivided into housing and rental subsidies. To the lowest-income households and low-income households, the government should employ rental subsidies; to the lower middle-income households, rental subsidies or housing subsidies can be employed by the Government which can be freely selected by the households needing the security. The amount of subsidy is equal to the subtraction of applicants' paying by themselves from renting(buying) standard of housing rents. The paper raises the calculation model of the housing allowance according to the four kinds of people enjoying subsidy who have or do not have income and house which realizes the housing subsidies' bi-directional linking to household incomes and housing area. Less income and housing area get more subsidies, achieving the reverse declining effect of unfair subsidies. From the perspective of the practice of housing security in the developed countries, housing security can be summed up to two categories: one is the "brick and mortar" subsidies, the other is "head" subsidies. "Brick and mortar" subsidies for its inefficiency has been abandoned by every country. Instead, every country's security mode employs "head" subsidies. In China, housing security practices also show that there are many drawbacks and problems in the implementation process of low-rent houses and affordable houses which belong to the "bricks and mortar" subsidies. Therefore, the author puts forward that housing security mode should be "head" subsidies in the design of new housing security system in China which can be subdivided into two types: housing subsidies and rental subsidies.