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一、住房金融服务体系目标定位对住房金融体系框架设计和制度安排进行规划的关键是明确我国住房金融体系的功能目标,即建设和发展住房金融体系主要是用来做什么。金融体系的主要功能在于通过动员储蓄、配置资本、降低交易成本等功能促进经济增长。住房金融体系的主要功能在于促进城镇居民住房条件的持续改善,而不同于金融体系的主要功能,虽然住房金融体系的发展客观上也会促进一国金融体系的发展并进而促进经济增长。因此,我国住房金融服务体系的核心功能目标应是不断改善城镇居民、尤其是中低收入居民居住条件。完善中国城镇居民住房金融服务体系,主要是对现有框架与
First, the housing financial services target positioning The housing finance system framework design and institutional arrangements planning key is to clarify the functional objectives of China’s housing finance system, that is, to build and develop the housing finance system is mainly used to do. The main function of the financial system is to promote economic growth by mobilizing savings, allocating capital and reducing transaction costs. The main function of the housing finance system is to promote the continuous improvement of housing conditions for urban residents rather than the main functions of the financial system. Although the development of housing finance system objectively will also promote the development of a country’s financial system and thus promote economic growth. Therefore, the core function of housing finance service system in our country should aim at continuously improving the living conditions of urban residents, especially middle- and low-income residents. Improve China’s urban housing finance service system, mainly on the existing framework and