住房金融模式的国际经验与中国选择

International Experience and China's Choice of Housing Finance Pattern

住宅产业的发展离不开金融业的支持与配合,我国目前还没有一个发达而且在一定程度上相当专业的住房金融模式和体系。本文首先比较和评价国际典型的住房金融模式,然后基于当前的国情现状,指出中国应该多元化发展合同储蓄型、强制储蓄型和资本市场型三种住房金融模式。

The support and co--operation from finance industry is important for housing industry to develop. There has no developed and professional housing finance pattern and system to a certain extent in china. The paper compares and evaluates several typical housing finance patterns oversea, then analyses the situation of china on the current and points out that multiple patterns of housing finance, i.e. type of contract save, type of mandatory save, type of capital market should be developed at the same time in the future.