随着住房改革的不断推进,我国住房政策已经发生了深刻的变化,旧有的覆盖全体城镇居民的住房保障体制逐渐解体,取而代之的是由住房公积金、经济适用房、廉租住房等政策构成的住房保障体制。本文分析了当前住房保障体制的形成过程、主要内容及其实际效果,指出中国住房政策逐渐走向“剩余型”福利模式。在此基础上,文章重点探讨了我国住房政策的发展方向与趋势,指出要真正解决住房领域的问题,必须明确政府的主导责任,实现住房政策范式与住房保障模式的根本性转变。 With the continuous advancement of housing reform, the housing policy in our country has undergone profound changes. The existing housing security system covering all urban residents has been gradually dismantled. Instead, it has been replaced by housing accumulation fund, affordable housing, low-rent housing and other policies Housing security system. This article analyzes the forming process, main contents and actual results of the present housing security system. It points out that the housing policy in China is gradually moving towards the “residual type” welfare model. On this basis, the article focuses on the development direction and trend of China’s housing policy, pointing out that to truly solve the problems in the housing field, we must clearly define the dominant responsibilities of the government and realize the fundamental transformation of the housing policy paradigm and the housing security model.