一、关于住房保障体系的认识住房本质属性既是居民的基本消费品,又是价值量相当大、且在长时期内使用和消费的耐用消费品。居民住房需求的满足状况和消费能力,在很大程度上反映着一个国家(或地区)居民生活质量的改善。因此,世界各国政府都高度重视住房这一重大民生问题.并把解决住房问题作为政府公共政策的重要内容。关于“住房保障”。国际上没有统一定义,但在各国社会保障政策和公共住房政策中均包含住房保障的相关内容。一般认为,住房保障在本质上具有调节收入分配及实现社会公平、保证公民享有基本居住权力的性质。是政府按照法律或政策规定提供的特殊住房服务。住房保障与其他社会保障不同.其服务对象是社会成员中的低收入家庭和特殊群体。旨在帮助其解决基本居住问题或改善居住质量的特殊住房政策。具体来看,住房保障体系具有如下特征: First, the understanding of housing security system Housing essential properties are both residents of the basic consumer goods, but also a considerable amount of value, and in the long term use and consumption of consumer durables. The satisfaction of residential housing demand and spending power reflect to a large extent the improvement of the quality of life of residents in a country (or region). Therefore, governments of all countries in the world attach great importance to the issue of housing as a major livelihood, and solve the housing issue as an important part of the government’s public policy. About “housing security ”. There is no universal definition in the world, but the social security policies and public housing policies of all countries contain the relevant contents of housing security. It is generally believed that housing security essentially has the property of regulating income distribution and social fairness and ensuring that citizens enjoy basic living rights. It is a special housing service provided by the government in accordance with the laws or policies. Housing security is different from other social security services for low-income families and special groups in society. Special housing policies designed to help them solve basic housing problems or improve the quality of their living. Specifically, the housing security system has the following characteristics: