建立中国住房储蓄银行的构想

A Conception of Establishing Chinas Housing Savings Banks

当今世界,居民的住房问题是各国需要很好解决的头等大事。而凡是成功解决住宅问题的国家,基本上都离不开住房金融体系的支持。作为住房金融体系重要组成部分的住房储蓄银行,对于解决居民住房问题发挥了十分重要的作用。本文在考察和借鉴德国住房储蓄银行成功经验的基础上,对建立中国住房储蓄银行的有关问题进行了探讨。

At the present time, different countries in the world all give top priorities to the solution of their residents 'housing problems. Among those who have successfully solved this problem, almost all have relied on the support of their own housing banking systems. The housing savings banks, as an important part of the housing banking systems, have played significant roles in solving the residents'housing problems. This article, on the basis of investigations and references to Germany's successful experiences in this respect, explores questions about establishing China's own housing savings banks.