目前无论是在学术界或是实践中关于“预售商品房资金由谁来监管”问题的探讨都存在很大的片面性。本文构建了由政府房管部门、工程监理机构和银行三方共同组成的监管主体,使其相互间在功能弥补与资金监管权“控——用”模式的制衡中达到资金监管目的。 At present, both in academic circles and in practice, there is a great one-sidedness in the discussion of who controls the funds for the sale of commercial housing. This article constructs the regulatory body consisting of the government housing administration departments, project supervision agencies and banks, so as to achieve the goal of fund regulation in the checks and balances between functional compensation and fund regulatory power “control-use ” mode.