房屋权属纠纷诉讼机制探析——以民行交叉为背景展开

对于如何解决民行交叉问题，学界已有诸多方案，但这些方案的目的多在于建立两种诉讼的协调机制即先民后行或先行后民，或是建立两种诉讼的统一机制即行政附带民事或民事附带行政，而较少关注可否通过法律的修改与完善，使纠纷仅仅通过民事诉讼或行政诉讼一种诉讼机制来解决。我们需要检视现有解决机制的利弊，寻找通过单一诉讼机制解决房屋权属纠纷的途径。     

房屋典当探析

当下经济生活中普遍存在的房屋典当,虽然被《典当管理办法》规定为典当,但其与传统民法中的典当有所差别。同时,房屋典当与用益物权和传统民法中的典权不也相同。从本质属性上看,其应属于担保物权。当前形势下,房屋典当的这一性质应当在司法实务中灵活处理并尽早通过立法予以确定。     

住房按揭贷款保证保险防范风险的法律适用——以美国次级贷款危机及中国强烈地震为背景

美国次级房贷危机、中国512强烈地震,都使住房贷款机构陷入尴尬被动境地。保证保险能够防范次级房贷危机、化解银行贷款风险,避免按揭贷款买受人因意外事故引起的以房抵债、被迫搬迁等风险,增加保险公司业务量。但是,保证保险在实际中却没有推广应用,需要从法律上明确保证保险的性质、统一相关法律规定;改变银行以强势地位强制推行贷款保险、保险公司设计理赔事项及计算保险费用不合理等情形;完善保险人代位求偿权的规定。     

我国征收体系之重构

财产权要承担社会义务，征收是其社会义务性的重要体现。第四次宪法修正案对我国征收体系产生了冲击，引起规范和理论的背离。从义务角度对征收内涵进行阐释，并在规范分析的基础上，论证我国征收体系的缺陷，以期以财产权负担义务类型为基础，重新构造我国的征收体系。     

完善住房保障的思路与国外经验借鉴

目前，国内房价已经远远超出普通家庭的合理承受范围，从我国实际出发并借鉴国外经验，多渠道解决资金和房源、规范住房保障方式、合理确定保障标准、创新管理机制，进而加快住房保障的完善显得愈加重要。     

Grey Power: Towards a Political Economy of Older Voters in the UK

The impact of age on voting behaviour and political outcomes has become an issue of increasing interest, particularly in the UK. Age divides in voter turnout and political preferences have led to claims that age is the ‘new class’. In this article, we contrast existing ‘cultural backlash’ and political economy explanations of the age divide in politics, and challenge the view that older people are predominantly ‘left behind’, culturally or economically. We show that older people have distinct material interests, related to housing wealth and pensions’ income, that are visible in their political preferences. We argue for the development of a new political economy of age.     

论设立房屋所有权转移登记前置选择性公证实质审查制度

在房屋所有权转移登记中引入自愿公证,采取前置选择性公证实质审查制度,设立选择性的办理房产证＂绿色通道＂,是解决老百姓购房后办理房产证难的有效途径。同时,对减轻国家财政负担和房产登记机关压力,提高房屋交易安全等方面也具有积极作用。     

Market segmentation and lender specialization in the primary and secondary mortgage markets

Abstract

This paper provides a comprehensive evaluation of market segmentation and lender/purchaser specialization in the primary and secondary mortgage markets. It describes and assesses the 1990 Home Mortgage Disclosure Act (HMDA) data, which for the first time provide detailed information on the borrower and neighborhood racial and income characteristics of mortgage loan originations and securitizations in the primary and secondary mortgage markets. Evidence presented in the paper indicates that home purchase loan origination rates for black applicants—and, to a lesser degree, Hispanic applicants—appear to be significantly lower than those of other racial or ethnic groups. Similarly, the HMDA data reveal that home purchase mortgage origination rates in predominantly minority census tracts are significantly lower than those in predominantly white neighborhoods. The HMDA data also indicate a striking reliance of black borrowers on government‐backed forms of mortgage credit.

The paper further reveals that secondary market loan purchase distributions arrayed by borrower and neighborhood characteristics generally reflect those of home mortgage originations. The borrower and locational characteristics of home purchase loans acquired by the Government National Mortgage Association (GNMA) directly reflect that agency's legislated specialization in government‐backed loans, whereas the characteristics of loans acquired by Fannie Mae and Freddie Mac for the most part derive from the borrower and geographic composition of conventional home purchase loan originations. Findings of analyses of HMDA data raise concern regarding the access of minority and low‐income households and neighborhoods to mortgage finance. Those results also raise some question as to whether the federally chartered agencies in the secondary market are adequately promoting the availability of mortgage credit to low‐ and moderate‐income and minority households.     

商品房买卖合同纠纷及其仲裁解决之探讨

商品房买卖合同纠纷是房地产纠纷的一种重要类型,通过仲裁方式解决商品房买卖合同纠纷有其独特的优势。本文在归纳当前商品房买卖合同纠纷的主要类型及特点的基础上,对仲裁解决商品房买卖合同纠纷的优势、原则以及实践中碰到的几个争议问题进行了探讨。     

A Perspective on Policy and Practice in the Re-Integration of Offenders

Concentrations of unemployment and crime are promoting a slow crisis in the lives of unskilled young men, and obstruct the successful re-integration and resettlement of offenders. At the same time, criminal justice system programmes for offenders are seeking a new balance between treatment approaches and the creation of opportunities. In this article the author reflects on the policy frameworks which give rise to these approaches, and considers the danger that criminal justice systems may place emphasis on diverting people from crime without directing them towards opportunities for re-integration. The author considers the needs of offenders in relation to housing and employment in particular.