房贷的差别待遇本质是“权利差别”--杨远锋的博客

房贷的差别待遇本质是“权利差别”

[ 2011-7-11 19:49:00 | By: 杨远锋 ]

据7月10日中国之声《新闻纵横》报道，随着央行今年第六次调整存款准备金率至21.5%的高位，各大银行资金不断紧缩，部分银行逐渐放弃收益率较低的个人房贷业务。即使仍可办理，条件也日渐苛刻，单身未婚人士遭遇差别待遇，山东有的银行甚至规定，具备公务员或事业单位身份才可办理房贷。
    其实不难理解，房贷上的差别待遇完全是银行的“商业行为”，当资源有限时，贷给谁银行有自主权。嫌贫爱富也好，媚权歧视也罢，风险最小化，利益最大化，是商业银行的本性。
    然而，现实中，公务员待遇就是与众不同。“公务员专供”已成招牌，添一条“房贷专给公务员而办”，只是“锦上添花”而已。所以，与其指责银行的差别待遇，不如反思权利差别的根结；与其纠结于银行房贷，不如反思公务员“超国民待遇”的成因。
    “公务员待遇”是权力附加给公务员的“特殊待遇”，是权力的“多吃多占”，有违于公权的功能与属性，有损于社会的公平正义。“公务员待遇”具备“滚雪球效应”，一方面来自权力自肥，另一方面来自社会媚权。剥离公务员的特殊待遇，最关键的是“将权力关在笼子里”，首先让权力自肥不能实现，其次，才能杜绝媚权行为。其实，当权力失去“光环”之后，媚权？你傻呀！
    房贷的差别待遇本质是“权利差别”。公务员权利“很丰满”，平民权利“很骨感”。一部分群体拥有着“超国民权利”，仍在不停地“加油”；另一部分群体已权利“贫血”，但仍在“失血”。“权利差别”是收入差距的“罪魁祸首”，是阶层固化的“最大帮凶”，更是社会和谐稳定的“最大威胁”。
    消除“权利差别”很迫切，而当务之急，是将权力从权利分配中剥离出来，同时加快各项维系社会公平正义的改革的进程，让公民平等享受每一项权利。
    □巢江淮

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原创

[ 2016-9-6 16:28:40 | By: 原创(游客) ]

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原创

[ 2016-9-28 16:02:21 | By: 原创(游客) ]

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原创

[ 2016-9-30 10:37:18 | By: 原创(游客) ]

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Re:在漫画中识别身边的违章

[ 2016-10-11 14:21:04 | By: pfhkf(游客) ]

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Re:在漫画中识别身边的违章

[ 2016-10-14 18:06:26 | By: azosv(游客) ]

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

[ 2016-10-20 22:46:45 | By: trgko(游客) ]

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

[ 2016-10-21 3:04:47 | By: qvacg(游客) ]

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Re:在漫画中识别身边的违章

[ 2016-10-23 15:43:48 | By: wyehj(游客) ]

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Re:在漫画中识别身边的违章

[ 2017-2-20 18:37:26 | By: fuycf(游客) ]

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