摘要
保障性住房是一项惠及社会民众的一项大型工程。近年来国家不断推进保障性住房建设，但是融资渠道单一，融资金额不足，过度依赖政府资金等问题突出。本文结合当前我国融资模式的现状，较为深入的分析了现有融资模式的各种不足，并提出了一些能够促进保障性住房更合理融资的创新模式，以期能对我国相关领域的研究与发展有所帮助。
目前我国保障性住房建设融资不畅，存在很大的资金缺口。本文通过对我国保障性住房建设的基本融资模式的分析，指出目前的融资模式存在对国家财政收入依赖性过强，资金稳定性不高，对地方政府激励不足以及缺乏金融工具的创新和使用等不足。最后，对我国保障性住房融资模式提出一些建议并引入一些较有创新性的融资模式，以期能对我国保障性住房建设融资模式创新和相关研究有所帮助。
关键词：保障性住房，融资模式，金融创新
目录
一、保障性住房概念··················································1
二、我国保障性住房的发展现状········································1
三、我国保障性住房的融资模式现状···································1
（一）以财政拨款为主的融资·········································1
（二）依靠投融资平台融资···········································1
（三）政府专门机构融资·············································1
四、我国保障性住房融资模式存在的问题·······························2
（一）融资渠道单一，社会资金缺乏动力·······························2
（二）缺乏专业的融资机构···········································2
（三）抵押担保机制不健全···········································2
（四）法律法规还不完善·············································2
五、国外保障性住房融资模式的借鉴···································2
（一）市场主导模式——以美国为代表·································2
（二）政府主导模式——以新加坡为代表·······························2
（三）政府和金融机构共同主导模式——以日本为代表···················2
六、完善我国保障性住房融资模式的建议·······························3
（一）完善相关的法律法规···········································3
（二）．完善住房金融体系············································3
（三）加强投入资金的管理···········································3
(四)加强融资力度，实施融资创新·····································3
(五)建立房地产信托投资基金·········································3
(六)引导保险基金参与保障房融资·····································4
(七)设立地方政府融资平台，并进一步完善各级融资平台·················4
(八)利用住房公积金贷款支持保障性住房建设···························5
七、································································6
参考文献···························································7
