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当前我国保障性住房工作中存在着住房公积金覆盖面不广泛、保障机会不均、经济适用房和廉租房功能缺失、住房金融机构单一等等现象。究其原因主要是由于我国政府在住房金融问题上宏观调控失灵,导致宏观调控措施有时适得其反、宏观调控措施有时造成新的更大的垄断、政府土地储备制度和政府担保制度不完善等。防止政府宏观调控失灵的对策主要有:建立有效的法律体系、建立有效的住房保障机制、制约政府权力。
At present, there are some problems in the work of affordable housing in China such as the insufficiency of coverage of housing provident fund, the unequal protection of opportunities, the lack of functions of affordable housing and low-rent housing, and the singleness of housing finance institutions. The reason is mainly due to the failure of the government’s macro regulation and control over housing finance, resulting in the sometimes counterproductive measures of macroeconomic control and macro-control measures sometimes resulting in new and larger monopolies. The government’s land reserve system and the government guarantee system are not perfect. The main countermeasures to prevent the failure of the government’s macro-control are: establishing an effective legal system, establishing an effective housing security mechanism and restricting the government’s power.