我国保障性住房融资租赁法律问题研究

【作者】 张宇；

【导师】 席月民；

【作者基本信息】 中国社会科学院研究生院 ， 法律（专业学位）， 2013， 硕士

【摘要】 本文通过对保障性住房融资租赁模式的运作流程以及各方当事人权利义务的叙述，进而对保障性住房融资租赁中涉及的主要法律问题进行了分析研究。保障性住房的建设资金来源主要有政府财政支持、土地出让净收益、公积金增值和企业自筹，其中企业自筹资金要占整个建设资金来源的70%以上，企业自筹资金中银行贷款约占一半，剩下的部分则需通过其他融资渠道解决，融资租赁就是其中重要选择之一。保障性住房融资租赁根据融资租赁物的不同分为两种运作模式，一种是以存量房为融资租赁物的运作模式，另一种是以在建/新建保障性住房为融资租赁物的运作模式，两种模式既有着相同的因素也存在差异，其中存量房是已建成房屋，权属明确，可直接办理权属变更手续；在建/新建保障性住房尚未建成，虽不能办理权属变更手续，但可通过预售方式解决。本文共分为三部分：第一部分介绍了我国保障性住房建设现状及其融资工具分析，通过列举传统的保障性住房融资途径的优势和缺陷，详细分析了导致其融资严重短缺的原因，从而明确了融资租赁对于解决保障性住房资金短缺问题的重要意义；第二部分针对保障性住房融资租赁现有模式进行了论述，深入分析和探讨了保障性住房融资租赁的两种模式，即存量房融资租赁模式和在建/新建保障性住房融资租赁模式，对两种模式的法律关系构成要素作了比较，还对融资租赁合同中当事人的权利保护提出自己的见解；第三部分着重就保障性住房融资租赁中几个重要法律问题进行了剖析，包括：保障性住房能否作为融资租赁物、保障性住房能否转让、保障性住房融资租赁的营利性和公益性冲突之解决、保障性住房融资租赁合同无效情形的认定以及保障性住房融资租赁的监管制度等问题。鉴于我国融资租赁法律体系尚未完善，一方面应利用好现有法律解决当前问题，另一方面应加快融资租赁相关的立法，总结经验和教训，不断推进我国法治建设的进程。更多还原

【Abstract】 This article, through its description on the operations of the indemnificatoryhousing financing lease as well as its description on the rights and obligations of theinterested parties, analyzes the main legal issues involved by the indemnificatoryhousing financing lease. The construction capital of the indemnificatory housingmainly come from the governmental financial fund, the net land revenue, the publicaccumulation funds added value, and the enterprise’s self-financed funds whichaccounts for70%above of the total capital; and in the total enterprise’s self-financedfunds, the loan from the bank accounts for50%, and the remaining funds come fromother financing channels, including the financing lease. The operations of theindemnificatory housing financing lease are divided into two patterns according to theleased objects, one is the pattern for which the stocking house act as the leased object,and the other is the pattern for which the newly built housing or in the buildinghousing act as the leased object. There exist some differences between such twopatterns. For the first pattern, the stocking housing belong to the built housing, whosetitle change formalities can be handled directly; but for the second pattern, the newlybuilt or in the building housing belong to the housing whose construction is notcompleted, and their title change formalities can not be handled, but may be donethrough pre-selling.This article is composed of three parts; the first part introduces the presentsituation of the construction of the indemnificatory housing in our country andanalyzes its financing, namely through stating the advantages held by the traditionalindemnificatory housing financing channels and its defects existed, analyzes in detailthe causes for serious shortage of its financing, and thus demonstrates the significanceof the financing lease for the resolving of construction fund shortage ofindemnificatory housing; the second part analyzes and discusses the two patterns ofindemnificatory housing financing lease, namely the stocking housing financing leasepattern and the in-the-building or newly built housing financing lease pattern, andcompares such two patterns from the viewpoint of the composing elements of theirlegal relations, and in this part, the author also gives her own opinion on the rightsprotection of the parties to the financing lease contract; the third part focuses on theanalysis of a few important legal issues involved by the indemnificatory housing financing lease, including whether the indemnificatory housing can act as the objectof financing lease, whether the indemnificatory housing can be transferred, whetherthe profitability and public welfare nature of the indemnificatory housing financinglease may conflict with each other, and the determination of invalidity ofindemnificatory housing financing lease contract, as well as how to perfect theregulatory control of indemnificatory housing financing lease, etc.Considering that presently the matured and perfect legal system on the financinglease is not yet established in our country, so on the one hand, we shall do our best toresolve the present problems through the existing laws, and on the other hand, thepertinent legislation on the financing lease in our country shall be accelerated in orderto promote our rule of law process.更多还原