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中低收入阶层的住房问题是任何一个国家政府必须解决的一大难题,政策性住房金融是解决这一问题的重要手段。我国目前已经初步建立了政策性住房金融体系,但在实践中还存在很多问题,政策性住房金融体系还很不完善。因此,通过分析国外政策性住房金融的发展模式,借鉴其成功的经验,从而提出我国政策性住房金融发展的政策取向。
The housing problem for the middle and low income groups is a major challenge that any one country government must solve. The policy housing finance is an important means to solve this problem. China has initially established a policy-oriented housing finance system, but there are still many problems in practice. The policy-oriented housing finance system is still not perfect. Therefore, by analyzing the development mode of foreign policy-oriented housing finance and drawing lessons from its successful experience, we propose the policy orientation of China’s policy-oriented housing finance development.