改革开放以来,我国的经济迅猛发展,随着生活水平的提高,人们的需求也随之提升和丰富起来。自20世纪90年代,我国的住房进入市场化以来,私有化住房大幅提升,但是居民对住房的刚性需求越来越大,市场的调配机制并不能完全解决日益增大的住房压力和房价过高问题。国家出台了保障性住房政策,调整了住房结构,为解决中低收入家庭住房问题,提出了一个合理并符合现阶段国情的有效解决方案,对促进房地产市场平稳、健康发展起到了举足轻重的作用。 Since the reform and opening up, China’s economy has developed rapidly. With the improvement of living standards, people’s needs have also been enhanced and enriched. Since the 1990s, when the housing in our country entered into marketization, the privatization of housing has risen sharply. However, the residents’ rigid demand for housing has been growing. The market allocation mechanism can not completely solve the problem of increasing housing pressure and excessive housing prices problem. The state has promulgated the affordable housing policy and adjusted the housing structure. In order to solve the housing problems for low and middle-income families, an effective solution that is reasonable and in line with the current national conditions has been put forward and has played an important role in promoting the steady and healthy development of the real estate market.