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在经济结构调整进程中,住房经济领域的潜在风险逐步显现,经济改革的背景条件已经不能再用单纯的市场化理论加以解释。政府的政策性支持与市场化资源配置之间不应是非此即彼的关系,而应当寻求一种并行且彼此协调的住房金融运行机制,以满足经济风险控制与社会分配正义之间的有效平衡。建立中国的政策性住房金融体系是从根本上解决住房领域的经济与社会矛盾的重要制度措施。在制度建设上借鉴法律金融理论的成果,正确解决政策性住房金融机构的目标定位与组织治理问题,才能推动政策性住房金融体系的健康发展。
In the process of economic restructuring, the potential risks in the housing economy are gradually emerging. The conditions for economic reform can no longer be explained by the simple theory of marketization. The relationship between government policy support and market-oriented resource allocation should not be non-exclusive, but should seek a parallel and coordinated financial operation mechanism to meet the effective balance between economic risk control and social justice . Establishing China’s policy-oriented housing finance system is an important institutional measure to fundamentally solve the economic and social contradictions in housing. Only by borrowing the achievements of legal finance theory in system construction and correctly addressing the target orientation and organizational governance of policy-oriented housing finance institutions can we promote the healthy development of the policy-oriented housing finance system.