Research On The Innovation Mode Of China's Housing Savings Finance

with the rapid development of Chinese economy, Chinese people's housing demand is also showing demand, multiple levels of demand and supply, the volume of characteristics. Especially in 1998, 2003, the state council issued the one about further deepen the reform of urban housing system, accelerate the notice of the housing construction and the state council on promoting the healthy development of real estate market and sustainable "notice of the big commercial bank, in succession to housing mortgage business field, China's housing finance from simple system of housing accumulation fund executes welfare to divide into the housing finance diversified stages of a new stage of development. China's housing finance rapidly until 2008 at the end of December, China's commercial Banks housing loan balances to 528 trillion yuan, real estate development loan balances 1.93 trillion yuan.with the rapid development of the housing finance, China's housing finance also appeared a new problems and new contradictions, such as housing, financial institutions is not perfect, the housing finance financing channels, etc, these problems is single low-income housing problem solving, more detrimental to our national economy of a long-term stable development. Especially, the U.S. subprime mortgage crisis caused by the global recession is the housing problem in the financial risk, and teach deep expose, be worth us to study well. This article is in this context, with China's housing finance the development track of the status quo and the international mature housing finance mode in China is proposed, based on the new mode of housing saving the financial system of housing accumulation fund of housing of linkage with the savings Banks with "borrowed" after be being put first characteristics of housing finance mode.