我国住房市场和住房金融研究探讨

Research on the Housing Market and Housing Finance in China

本文对当前我国住房市场和住房金融的发展状况进行了分析,重点从供需关系、购房负担、金融支持、保障性住房体系等方面研究了我国住房市场面临的机遇和挑战。经济新常态下推进住房体制改革,需要遵循住房的民生、经济双重属性,借鉴国际经验和国内实践,有序释放城镇居民特别是中低收入家庭的住房需求,以完善住房金融体系为核心推动供给侧改革,共同推动住房市场长期健康发展。

This paper analyzes the development status of the housing market and housing finance in China,and then does research on the opportunities and challenges facing China's housing market in terms of supply and demand,house-purchase burden,financial support and affordable housing system.Under the new normal of China's economy,to promote housing system reform,we should recognize that housing concerns both the national economy and the people's livelihood,and draw on international experience and domestic practice to orderly unleash the housing demand of urban residents,especially low-income families.We should also focus on improving the housing finance system to promote the supply-side reform so that the housing market will enjoy long-term healthy development.