住房是人类生活的基本条件。自古以来,“居者有其屋”一直是人们孜孜以求的理想,但是直至今日仍未能全面实现。固然其中有诸多原因,如社会生产力的发展水平、国家的财政状况、民众的经济能力等等,但是政府的住房制度设计如何,应当说是其中的关键因素。 Housing is the basic condition of human life. Since ancient times, “home ownership” has always been an ideal sought after by people, but it has not yet been fully realized. Although there are many reasons for this, such as the level of development of social productive forces, the financial status of the country, the economic viability of the public, etc., the design of the government’s housing system should be said to be the key factor.