最高额抵押制衡体系的建构

最高额抵押制度优越性与危险性并存,该制度虽具优越性,但缺陷不少,如立法上的规制欠缺。借鉴日本成熟的制度设计,构建基础关系、重复抵押、减额请求权、消灭请求权四位一体的制衡体系,有利于促进我国最高额抵押制度的完善。     

Study on the Problems and Countermeasures of Public Rental Housing Fraud: Based on Signal Transmission Model

The information asymmetry between the government and the housing security object would lead to adverse selection, opportunism and moral hazard during the rental process of public rental housing. Based on the review of China’s public rental housing policy implementation and effect, and combing the relevant literature about public rental housing fraud, we constructed the signal transfer model suitable for the explanation of the behavior of China’s public housing fraud, and focused on the explanatory variable of social service time. The theoretical analysis shows that social service time can be used as an explanatory variable to reveal the separation equilibrium and pooling equilibrium of various income groups under different social service times. Finally, we took the public rental housing community of Lanqiao Jingyuan in Hangzhou as an example to make a case analysis, the results confirmed the operability of the model, and indicated that social service time as the signal is helpful for the reaching the ideal state of equilibrium of different income groups.     

房价上涨的途径——财政、人口与预期的再验证

在国家“六稳”、“六保”的政策目标下,稳定房价具有较大现实意义。基于中国267个地级市2006-2018年的面板数据,通过联立方程模型实证研究地方财政支出、人口迁移以及预期对房价的影响。结果显示,市场对房价上涨的预期是推升房价上涨的主要因素,此外,全国层面的房价受到地方财政支出资本化的正向作用,东、中部地区房价受到人口迁移数量的显著影响,西部地区房价受到第三产业占比的支撑。因此,稳定房价的关键途径是维持购房者的市场信心,确保人口流入有助稳定东、中部地区房价?确保第三产业发展则是 稳定西部房价的重要途径。