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一、我国住房金融发展的战略目标住宅投资和销售对国民经济的增长有着强有力的推动作用,改革现行住房制度,使住房进入商品流通领域则成为发展我国房地产业的重要步骤。1998年国务院《关于进一步深化城镇住房制度改革,加快住房建设的通知》的发布实施,加快了我国房改步伐,特别是住房分配制度的改革使城镇居民个人将成为住房投资和消费的主体,住房金融服务便发生转变,即:住房以面向房地产开发企业,转变为面向城镇居民为主;以生产性信贷转变为消费性信贷为主;以批发
I. Strategic Objectives for China’s Housing Finance Development Residential investment and sales have a strong impetus to the growth of the national economy. Reforming the current housing system and moving housing into the commodity circulation area have become important steps in the development of China’s real estate industry. In 1998, the State Council promulgated the “Circular on Further Deepening the Reform of Urban Housing System and Accelerating Housing Construction”, accelerating the pace of China’s housing reform. In particular, the reform of the housing distribution system has made individual urban residents the mainstay of housing investment and consumption. Housing finance Service has changed, namely: housing for real estate development enterprises, mainly for urban residents; to productive credit into consumer credit-based; to wholesale