Discussion About The Construction Of House And Finance System

House is closely with people s every day. More and more theory and practice researchers pay attention to house finance. House finance is flourishing in foreign and they have rich reality experience. There are four types of house finance system, German saving bank house finance system, Singapore accumulation fund house finance system, Japanese mixed house finance system And it is prevailing such tendency that world house finance is integrated with all finance systems. But house finance has its own character, it is related with society ensurance system and with pouerful policy. Because our house finance is developed later than many countries, it must draw on the experience and lesson of other' s according to our specific conditions. So this paper seriously analyse and compare foreign house finance system, put forward suggestion of setting up our house finance. That is: being a major bank, Construction Bank of china undertakes political house finance business and other commercial bank undertake commercial business, developing medium service organizations for house finance, setting up house mortgage second level market, building government guarantee to construct an integral scientific house finance system organization for mortgage loan, providing other necessary measures.