The Marketization Of Chinese Housing Savings System

The housing issue is not only the people’s livelihood, but also affect the country’s long-lasting development industry, housing problems have been subject to the attention of the country and the people, and it has been an hot issues in China’s economic life. In recent years, China has increased efforts to carry out the housing reform, to develop the housing finance. However, residents of the housing situation in China is not optimistic, there are still many problems on the housing accumulation fund system in China, especially in the low-income people unable to meet their requirements. Therefore, in this part of the housing savings, we need not only housing provident fund model, also need a voluntary, market-oriented contract savings mode, in this mode in Germany gave us a good reference. Sino-German Bausparkasse is this mode only in our practice, but due to different national conditions, there are many problems should be solved. This paper is divided into four chapters, first introduced the theoretical basis of the housing accumulation fund system, as well as contract savings system economics, then starting from the current practical problems in China’s housing market, systematic and comprehensive discuss the system of compulsory savings-housing accumulation fund systemefficiency to solve our housing problems. Analysis of the role of the housing accumulation fund system for funding to improve the purchasing power of employee housing, promote the establishment of a policy mortgage, the formation of housing a new situation, accelerate the construction and development of the security room. And analysis the lack of provident fund from the buyers and the development of market-oriented savings system-the necessity of contractual savings system,and put the Sino-German banks and the combined as a case, analysis of the efficiency of contract savings system to stabilize our housing market.First proposed contract savings system to provide stable funding for our housing market to make up for the lack of coverage of the housing fund and commercial mortgage defects and help to avoid real estate speculation, then, analysis two issues of Sino-German development: businesscopying the German model and sales channels. Finally, proposed the solution measures of Sino-German problem.