房地产宏观政策调整的原因及对策

本文旨在分析与研究我国房地产业宏观调控政策的效应，及公共政策对我国房地产市场运行的影响，试图为我国房地产公共政策的制定提供一些理论依据与可操作性建议。     

金融危机对实体经济影响:危机溢出和跨国传导

在金融部门存在扭曲和经济结构呈现刚性的环境中,不可持续的经济失衡、资产价格或是汇率目标对均衡水平的大幅偏离,都有可能引发金融危机.由于金融部门和实体经济之间存在的正反馈机制,伴生金融危机的经济衰退往往面临更加深幅的调整.与股市泡沫相比,住房融资体系的发展和金融加速器的作用也会放大房价泡沫对实体经济的溢出效应.由于贸易一...     

预购商品房抵押法律效力的思考

预购商品房抵押是伴随着商品房预售制度的产生和银行为防范住房金融业务信贷风险而出现的一种担保方式。我国的法律、部门规章、司法解释在不同时期从不同角度对预购商品房抵押进行立法规制,但对其应具备何种法律效力未予明确,无法衡平商品房预售中各方参与主体的利益。本文通过对法律规制的变迁及相关司法判例的探讨,分析了预购商品房抵押的性质、效力及纳入预告登记制度的可能性,使其与现行的物权法律体系相协调,以维护住房金融市场的稳定有序。     

我国台湾地区不动产信托登记的经验与借鉴

随着我国信托业的发展,迫切需要完善信托登记制度。在我国推进不动产统一登记制度之际,构建不动产信托登记制度的时机已然成熟。我国台湾地区将不动产信托登记纳入不动产登记制度之中,区分信托公契与信托私契,平衡当事人隐私权保护与交易安全价值维护之利益的经验,值得借鉴。信托关系当事人及受益权的信息,应当纳入登记范围,以实现登记之目的。登记簿之设置则不宜采取“双登记簿”模式,而应将信托登记内容纳入不动产登记簿。     

Preserving Community Assets: Do Foreclosure Sales Need to Negatively Impact the Neighborhood?

Research has linked concentrated foreclosures with negative neighborhood outcomes; for instance, increased crime and decreased property values. These outcomes drain community asset holdings and impact the longer term trajectory of the neighborhood. However, data reported in this article from a Boston study challenge the assumption that negative neighborhood outcomes are a foregone conclusion in the face of foreclosures. Analysis of interviews with real estate agents and other foreclosure professionals, neighborhood ethnographic observation, and citywide sales and foreclosure sales documents demonstrate that the distinct nature of the foreclosure sales process creates market disruptions heightening the risk for documented negative neighborhood outcomes. Attempts by the seller to reduce financial risks in the sale increase the likelihood of vacancy and create a market oriented toward investor–buyers. Understanding the risk preferences of key decision makers in the foreclosure sale process reveals new intervention points—such as intervening at the short sale, or expanding and updating foreclosure laws to reflect current foreclosure sales markets—to reduce market disruptions and preserve community assets in the face of foreclosures.     

Xenophobia on a Suburban Paris Housing Estate

Abstract

Xenophobia has become a politically charged phenomenon in France, and is often linked to matters of daily life on suburban housing estates. Haegel's article is based on a survey conducted among the inhabitants of a Parisian housing estate called ‘La Cité des 4000 logements’. Remarks about immigrants took up much time and space throughout the interviews. The analysis of these remarks could only be successful by taking account of the context in which they were made, and the several motives that might lead to the expression of illegitimate opinions. The basis of the xenophobic discourse recorded in the survey is unquestionably the dichotomy us/them. From it flows spatial references (the marking of territory) and temporal ones (the Golden Age and The Fall). (In many ways, the situation is identical to that analysed by Norbert Elias and John Scotson in The Established and the Outsiders, although one difference is that ‘the established’ in ‘the 4000’ don't have real ‘group charisma’: they have at present neither a strong communal life nor social cohesion.) The central paradigm of the xenophobic discourse seems to be hospitality, which implies, by definition, the granting of space, the playing of host to a foreigner in one's own space, rather than allowing the foreigner a place of his or her own. With the continuing settlement of immigrants in France, this is a paradigm that will have to change.     

公众预期对我国房地产宏观调控政策影响分析

1998年以来中国的房地产宏观调控发展历程经历了五阶段,各阶段公众预期呈现出不同的特征,并对调控政策效果产生了影响。因此,房地产市场调控政策的出台必须从调整房地产市场供求关系、建立长效机制、加强媒体与舆论的引导和管理以及保持政策的连续性、稳定性和长期性等加强公众预期管理等方面考虑。     

对不动产出租人赔偿责任的探讨

承租人在使用不动产租赁物给第三人造成的侵权损害，不动产出租人是否承担赔偿责任或连带赔偿责任，必须依据法律的有关规定予以认定。基于合法租赁关系，承租人在使用租赁物给第三人造成侵权损害，出租人应承担违反法定或约定义务的赔偿责任。基于非法租赁关系，承租人在使用租赁物给第三人造成侵权损害，应区分不同情况确定出租人是否承担赔偿责任。在非法的租赁中，不动产租赁物给第三人造成损害，出租人应承担建筑物致人损害的赔偿责任；非法的出租行为导致第三人损害，出租人应承担连带赔偿责任；非法的出租行为没有造成第三人损害，出租人不承担连带赔偿责任。     

论物权登记的法定公证前置

《中华人民共和国物权法》已于二〇〇七年十月一日起施行。《物权法》中规定不动产物权转移以登记为生效条件，没有将公证制度引入不动产物权变动及不动产登记制度中。公证所具有的职能作用及特有的公信力是确保不动产登记安全与效率的最有效手段。笔者认为，在物权登记之前应当将公证制度引入到不动产变动与登记的环节当中，以确保不动产登记的安全与效率。