抄録

　住宅組合は中産階級の住宅不足への対策として, 預金部低利資金を貸し付けて持家を取得させるために, 1921年に制度化された.それは, 1920年代には住宅政策の中心的施策として普及したが, 1929年以降は停滞することになった.そうした大きな変化の理由を本稿は, 回収難の多発(低利資金政策の限界)と融資対象の富裕層への傾斜に対する社会局の反省(社会政策としての不適合性)に求めた.この点を実証するために本稿は, 個別組合の組合員構成, 借入金額, 滞納実態, 譲渡=転売実態等を県庁文書等にもとづいて明らかにした.

abstract

The housing association system was institutionalized in 1921 as an organization to help middle class be house-owners by financing low-interest loan. These associations spread widely in the 1920s ass major means of housing policies, but their development stopped in 1929. This paper tries to make clear the reason of this change. It concludes that the reasons are the fact that there were many borrowers who could not repay and the bureau of social affaires criticized such a policy for the middle class when it had to deal with the need and misery of lower class. This paper reaches this conclusion by analyzing the documents proposed by each housing association to prefectural offices recording lists of members, the amount of loans, the amount of non-payment and the transfer of their houses to others.