住房是人类生存的基本条件,只要人类存在一天,就离不开对住房的需要。纵观世界各国,保障居民的住房问题都是其政府工作的重点。从住房保障制度完善的发达国家来看,大都具有专营住房业务的政策性金融机构。以美国为例,政府建立的住房金融机构就有联邦住宅放款银行委员会、联邦住 Housing is the basic condition of human existence, as long as the existence of mankind one day, it can not be separated from the housing needs. Looking at all countries in the world, protecting the housing problems of residents is the focus of their government work. From the developed countries with perfect housing guarantee system, most of them have the policy financial institutions that specialize in housing business. In the United States, for example, the government has set up housing finance institutions have the Federal Housing Lending Bank Committee, Federal