以小平同志关于住宅问题的讲话为标志，开始了中国的住房制度改革。我国城镇住房制度改革从起步至今已经历了１８个年头。前１０年是房改理论摸索、形成、试点阶段，后８年是房改工作全面实施阶段。从全国住房制度改革的政策上看，都表现为筹资型，以筹资为龙头，进行住房建设 With Comrade Xiaoping’s speech on housing issues as a sign, China’s housing reform began. China’s urban housing system reform has gone through 18 years since its inception. The first 10 years of reform is the theory of real estate reform, formation, pilot phase, after 8 years is the full implementation of housing reform phase. From the perspective of the policies on the reform of the national housing system, all have shown that they are financing-typed, with financing as the leader and housing construction