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搞住房银行不如取消耕地红线
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Topic: 搞住房银行不如取消耕地红线 (Read 259 times)
healtheworld
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搞住房银行不如取消耕地红线
May 02, 2015, 01:59:03 AM
#1
假如有个镇长,限制农民种田,很多适宜生产粮食的土地都不许用,粮食价格上去了,这个镇长又设立粮食补助基金,号称帮助镇上的居民买粮食,你会怎么说?我想你会说这个镇长傻啦。他想让居民有更多的粮食可以消费,只要不限制农民种地就行了,更多的粮食被生产出来,粮食价格下跌,不需要补贴,居民也可以消费更多的粮食。而只要限制种地,那么,即便镇政府补贴人们买粮,也不能让人们多买到哪怕一粒粮食。
觉得这个例子荒唐吗?其实现实中,这种例子很多。比如风传将要推出的国家住房银行。
国家住房银行是所谓的政策性银行,号称是要帮助老百姓买房的。但是,如果政府真的要帮助老百姓改善居住条件,只要放开土地流转,允许农地入市,取消十八亿亩耕地红线,控制通货膨胀,房价自然下降,根本不需要什么国家住房银行来帮忙。
而在货币不断增发、土地供应有限的情况下,哪怕设立了国家住房银行,也不能增加一平米房。那些少数幸运儿,得到低息贷款买房,其代价是其他人帮忙支付了购房成本。其他人有什么义务来帮助少数幸运儿购买高价住房呢?少数幸运儿借助国家住房银行多买房,就意味着其他人买房的机会更少。总之,只要供给机制没有改善,则住房银行只能帮助少数幸运儿,而不可能帮助全体老百姓降房价。更何况,这少数幸运儿更有可能是相对不穷的,这就像公积金,能付得起首付的,本就不是最穷的那群人。
据说,国家住房银行更有可能采取美国两房即房利美(Fannie Mae)与房地美(Freddie Mac)的模式。不要忘了,两房在2008年的次贷危机并随之引发的全球金融危机中所起的坏作用。政府大规模介入金融市场,必将降低金融效率,累计金融风险,这在号称“先进”的美国也不例外。学习两房模式,那就有可能既不能帮百姓降房价,还增加金融风险。
当然,如果国家住房银行能把公积金这一既无效率、又不公平的制度替代掉的话,也算是一种改进。但,国家住房银行千万别采取强制储蓄的模式,或者直接把公积金转入住房银行,那不过是公积金换汤不换药。
国家住房银行应该完全采取自愿的模式。谁相信自己可以从政府那里占到便宜,谁就去国家住房银行存款,以换取得到低息贷款的机会。既然专家说国家住房银行模式这么好,那就应该相信它会吸引到很多人主动参与的,对不对?让聪明人去占便宜吧,只要不把我们普通老百姓的公积金和税金拖进去填坑就行了。
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