| China's real estate, with the State Council's proclamation of housing construction as a new point of national economic growth ,develops quickly and becomes one of the most important factors that push forward the national economics. Housing finance is a strong motive force to encourage real estate. This essay lays special emphasis on the development of China's housing finance.At first, it investigates the history and present situation of our housing finance, especially analysi~es the public accumulation fund system for hcusing construction and personal housing lending market. At the same time, it also seriously analysizes the reasons which hinders the development of housing finance and the features of the housing finance market.Then, on the basis of analysizing the successful housing finance system under market economy at home and abroad, it concludes some experiences from which our housing finance can learn something.Finally, it presents some operative suggestions and measures which will lead us to walk a way of housing finance with Chinese characteristics. It mainly discusses how to perfect Chinese housing finance, and generally designs the housing finance system. What's more, it inquires into home mortgage loan securization. |
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