The Studies On The System Of Housing Finance Of China

In the social development and change rapidly under the big background, the four basicrequirements" basic necessities of life"," live" is our country town dweller ’s primaryproblem..Therefore, make great efforts to solve the housing problem is our policy objectivesin the extremely important part. The housing problem, the author from the housing financesystem, through the analysis, put forward the relevant policy recommendations.The article is divided into five parts, wherein the second part of the analysis of thehousing financial system ’s historical development, the third part of the analysis of systemdevelopment present situation, the fourth part of the analysis of the foreign housing financesystem and use for reference, the fifth part puts forward the policy proposal.The article analysis the method basically has three kinds: normative analysis method,inductive and deductive analysis prevention and horizontal comparison analysis andcomparison of longitudinal analysis combined method.Housing financial system is mainly composed of housing provident fund as the mainform of policy housing financial system and to commercial banks as the main form ofCommercial Housing Finance, based on the system, some problems of the study concluded,and through to learn from the other countries in the institutional advantages, according toChina’s actual situation, proposed to our country financial system of housing policyrecommendations. On the policy housing financial system for the relevant policy from thehousing provident fund supervision, management and operation of the steps, focus of thehousing accumulation fund system is the guarantee and the mandatory characteristics;commercial housing finance system mainly from the legislation, supervision as well as thesecuritization of housing mortgage loan system and other aspects of analysis, through theanalysis, obtains the reasonable development of housing the financial system of theconclusion.