住房的

After studying abroad and home studies on housing price and price dynamics, this paper constructed an analytical frame to examine house price dynamics through autocorrelation and spatial correlation and explained the causing mechanism about it.

在梳理了国内外学者关于住房价格、住房价格波动相关研究的基础上，本文建立了通过自相关和空间相关两个维度考察城市住房价格波动的分析框架，解释住房价格波动的产生机制。

To achieve increased availability, adjusting the structure, stabilize house prices, in adherence to the "market-oriented operation, proper adjustment" based on the principle, we propose to limit the ordinary commercial housing construction model: the introduction of land to form bidding to sell, according to ordinary commercial housing construction model implementation development and construction, but limited housing construction standards, the sales price and sales targets, the main target houseless families and housing hardship.

为了实现增加供应，调整结构，稳定房价，在坚持"市场化运作，适当调整"的原则基础上，我们建议，以限制普通商业住房建设模式：实行土地招标，以形成出售，根据普通商业住房建设模式实施开发建设，但有限的住房建设标准，销售价格和销售目标，其主要目标房的家庭和住房困难。

According to above-mentioned research, finally, this thesis puts forward basic ways to develop housing policy in China: firstly, afresh the function of government, increase devotion to housing guarantee for low income group; secondly, continue to develop economy and provide material to solve housing problem of low income group; thirdly, strengthen the government ability to control market and build up a regular housing market; fourthly, perfect housing supply and the housing allowance system to form a dynamic guarantee system.

基于历史和国际比较两个方面的研究，本文最后提出现阶段我国城镇低收入人群住房政策发展的基本思路：重新定位政府职能，增加对低收入人群住房保障的政策倾斜继续大力发展经济，为解决低收入人群住房问题提供物质保障加强政府调控市场的能力，建立合理有序的房地产市场完善住房供应和住房补贴制度，形成动态的保障机制等四项措施。

Third, public housing price wards refers to the lease of public housing tenants in their own right and others use the public housing tenants the right to use exchange for appropriate compensation in exchange for unequal by the wards, or the public housing tenant to lease the right to use their own prices and pay the price difference between commercial housing or private housing, purchase new ownership.

公有住房差价换房，是指承租人以自己承租的公有住房使用权与他人承租的公有住房使用权互换，因交换条件不对等辅之以适当补偿的换房行为，或承租人以自己承租的公有住房使用权价格并补交差额价款后购买新建商品房或私有住房所有权的行为。

Since the establishment of housing system Reform in 1994,Zhuzhou has made a significant exploration into housing guarantee which chiefly focused on guarantee patterns:A system of housing provident was established to improve capital utilization ratio;The construction of applicably economical apartments was strengthened to satisfy the demands of low-income families;An allotment system of housing currency was established to enhance the housing consumption ability of redidents;Tax mitigation was carried out to develop second-and third-level housing market,which has made grerat achievements.

自1994年住房制度改革以来，株洲市对住房保障作了很多有益的探索，主要体现在保障方式上：建立了住房公积金制度，提高资金利用效率；加大经济适用住房建设，满足中低收入家庭的购房要求；实行住房货币分配制度，以提高居民的住房消费能力；实行税费减免，培育房地产二、三级市场，并取得了很好的成效。

Home Mortgage Refinance Loans provides detailed information on Home Mortgage Refinance Loans, Home Mortgage Refinance Loan Rates, Best Home Mortgage Loan Refinances, Home Mortgage Refinance Loan Brokers and more.

住房抵押贷款再融资提供详细资料，对住房抵押融资贷款，住房抵押贷款回购利率，最好的住房抵押贷款再融资，住房抵押融资贷款经纪人等。

Again, strengthen the law enforcement protection of housing right, and focus on the real estate development and construction, real estate transaction, and others. Strict disposal of the illegal, and the right to conduct money transactions.

最后强化住房权的政策保护，如确立住房权保护的综合指标，健全住房社会保障制度，对无家可归者和特殊群体提供廉租房或进行住房补贴，大力发展我国的住房金融制度。

In the whole market development, there are also a lot of places: 1、decoration personnel, decentralization, spare no good management system, not by most decoration of professional training and lack of effective knowledge in the cases of housing decoration, the quality of the crisis, cut corners, crude abuse of engineering quality is low, no guarantee after-sale, etc. 2、in the industry, many designers unspoken rules, and for his own benefit subcontracted, the owner of this link purchase materials, a rake-off extraction. 3、decoration materials, the source of confusion, very small workshop of small companies selling certificates of poor quality material, often without the use of security, and short, etc.

在整个市场的发展中，也存在很多不规范的地方：1、装修人员的业余化，分散化，没有良好的管理系统，打多数装修人员没有受到过良好的专业培训，在缺乏有效的知识的情况下，往往对住房的装修质量带来不小的影响，偷工减料，粗制滥共工程质量低下，售后无保障等等。2、行业中潜规则，不少的设计师和施工者，为了自身的利益，在业主购买材料的这一环节中，提取着回扣。3、装修材料的来源非常混乱，小作坊，无证件的小商家兜售的材料，往往质量差，无保障，使用年限短等等。

Reporter has learned that the Center and the Bank jointly launched the replacement of individual housing provident fund loan portfolio refers to the application for individual housing loans of the borrower, by the trustee bank to use bank funds to the borrower issuing bank commercial individual housing loans, by banks on behalf of the borrower to Kunming housing provident fund management center to apply for individual housing provident fund loans, agreed to by the management center for approval, the provident fund loans with bank loans Replacement "first trustee bank loans, after the replacement loan fund portfolio" of loans.

记者了解到，该中心和世界银行共同发起了更换个人住房公积金贷款业务是指在申请个人住房贷款的借款人，由受托人银行使用银行资金向借款人发放的商业银行个人住房贷款，由银行代借款人到昆明住房公积金管理中心申请个人住房公积金贷款，同意由管理中心批准，公积金贷款与银行贷款的替代品&第一受托人银行贷款，后更换贷款基金的投资组合&的贷款。

Different risks have different insurance needs, and therefore, for the purchase of personal loan business, at least three types of insurance required : First, the housing mortgage property insurance, the main victims of accidents and protect property damaged by natural disaster risks; Second, lenders regular credit life insurance, principal owing on the loan guarantee period by the lender or accidental injury and disease incapacity or death situation, banks can secure their loans, lenders families can continue to live; Third mortgage purchase a performance bond insurance, in which insurance, the insurance companies play the role of the guarantor to charge a premium for the purchase of security costs, credit for the purchase and the provision of economic security, as was the guarantor for death, unemployment causes an inability owing on the loan, the insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards.

不同的风险有不同的保险需求，因此，对于个人贷款购房业务，起码需要三类保险的保障：一是抵押住房的财产保险，主要保障房产遭受意外事故和自然灾害毁损的风险；二是贷款者的定期信用人寿保险，主要保证还贷期内在贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，在这种保险中，保险公司扮演了担保人的角色，向购房人收取一定的保险费作为担保费，并为购房人的经济信用提供担保，当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿或向投保人追回赔款。

And Pharaoh spoke to Joseph, saying, Your father and your brothers have come to you.

47：5 法老对约瑟说，你父亲和你弟兄们到你这里来了。

Additionally, the approximate flattening of surface strip using lines linking midpoints on perpendicular lines between geodesic curves and the unconditional extreme value method are discussed.

提出了用测地线方程、曲面上两点间短程线来计算膜结构曲面测地线的方法，同时，采用测地线间垂线的中点连线和用无约束极值法进行空间条状曲面近似展开的分析。