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Метод выбора вариантов государственной поддержки жилищных программ на основе государственно-частного партнерства
Финансы и кредит. 2015. № 14. С. 42-45.
Savrukov A., Савруков Н. Т.
Importance Assessing the effectiveness of public spending in the housing sector, as well as developing and substantiating the methods of State support to housing programs have recently become very important due to special social significance of the housing problem and continuing budget constraints.
Objectives The purpose of the paper is to develop a method of selecting the options of State support to housing programs based on public-private partnership. The goal identified the need to solve the following tasks: to identify the linkages and relationships of the subjects of housing programs and socio-economic factors; to develop an economic and mathematical model that would take into account budgetary constraints, lending parameters, instruments of budget support; to evaluate the effectiveness of government housing policy and modeling the options of State support to housing programs.
Methods We evaluated the effectiveness of State support to residential mortgage projects implemented through public-private partnerships, and performed a comparative analysis using the methods of modeling and optimization.
Results The obtained results may be useful for public authorities to justify the strategy of housing policy, parameters of residential mortgage projects, simulation and evaluation of pending housing programs, and to predict the level of housing supply.
Conclusions and Relevance We tested the proposed method on materials of the Russian Federation. This enabled us to assess the effectiveness of implemented housing programs. We conclude that in present circumstances, the most effective option of State support to residential mortgage projects based on the principles of public-private partnership is to subsidize the interest rate on mortgage loans. This measure will help broaden the range of potential borrowers and get the maximum social and economic benefits, including the increased supply of housing.