住房储蓄制度在国外已经推行多年,国内有些地方已开始试行。经验表明,实施“住房储蓄+住房公积金”模式,能够发挥两种制度各自的优势,增强居民购房的经济实力。军队应适时实施公积金贷款制度,发挥组合式贷款效力,要依托商业银行现有网点,推进组合式贷款实施,同时,还应完善相关法规和信用制度,规范操作流程。 Housing savings system has been implemented in foreign countries for many years, some places in China have begun pilot. Experience shows that the implementation of “housing savings + housing provident fund ” model, can play their respective advantages of the two systems to enhance the economic strength of residents buying houses. The army should implement the provident fund lending system in due course to exert the effectiveness of the modular lending. It should rely on the existing outlets of commercial banks to promote the implementation of the modular lending. At the same time, the relevant laws and regulations and the credit system should be improved and the operational procedures should be standardized.