建立和发展我国城镇政策性住宅金融体制的探讨

Discussion on Establishment and Developmentof Policy Housing Financial System in China's Cities

中国是一个拥有１２亿人口的大国，要解决我国中低收入居民家庭的住宅问题，实现人民安居乐业，必须建立政策性住宅金融体制。政策性住宅金融是一个特殊的金融领域。围绕着中低收入需求者个人或家庭对住宅的购买、建造或修缮住宅资金供求活动所发生的金融关系、形式和方法的总和，构成了研究政策性住宅金融体制的内涵。从理论和实践两方面研究政策性住宅金融对推动我国住宅业发展，实现国家经济增长、社会文明与进步都具有现实意义。

China has a large population of 1.2 billion.To solve the housing problem of middle_low income families and realize a condition,under which people can live in peace and work contentedly,a policy housing financial system(PHFS)with Chinese characteristics must be established.PHFS is a special financial area.The combination of financial relationships,forms and methods related to the purchase,construction or rehabilitation of housing for middle_low income families,is the core of policy housing financial system.It has real meaning for studying theory and practice of PHFS,its role in development of housing industry,and promoting economic growth of the country,civilization and progress of the society.