Improve Our Housing Finance System Use The International Comparative Perspective

This article obtains from the international comparison angle, through analyzes in individual housing financial system most to have the representative three kinds of concrete manifestations form, namely the American housing mortgage loan, the German housing deposit system and the Singapore central common reserve fund system, obtain constructs our country individual housing financial system the enlightenment, proposes our country individual housing financial system overhead construction: The commercial housing finance and the policy housing finance plays the role together, two mutually is the supplement, achieved raises the residential building level and satisfaction goal.The housing has the characteristic as the commodity which it is insole possession of, only depends upon the market own strength to be unable from the basic solution accommodation, through international compares us to be allowed to see various countries' the housing always to have the certain degree the social welfare nature, therefore, when analyzes our country present housing financial system present situation and the insufficiency, selected in the welfare economics related theory to take the analysis the foundation, simultaneously also was the realization constructs our country individual housing financial system goal to carry on the reform the basis, proposed there form concrete measure.