Residence and real - estate bureau of construction department , the office of housing system reformation of construction department , questions and answers of current housing system reforamtion , [ m ] , 1998 beijing ( peking ) , chinese price publishing house 建设部住宅与房地产司,建设部住房制度改革办公室.当前住房制度改革政策问答[ m ] .北京:中国物价出版社, 1998
With the carrying out of the reform of urban housing system , more and more residents should buy houses . because house was a commodity with high price , many residents had to refer to loan from financial organization 随着城镇住房制度改革的不断深入，越来越多的居民需要购买商品房来解决居住问题，对于住宅这种价值较高的消费品，很多居民通过金融机构的贷款获得购房资金。
Now china is on its way to push on with housing institution reform and finance system deepening . the special advantages of mortgage - backed securitization make us believe that its necessary for china to put this innovation into operation 我国正面临住房制度改革和金融制度深化两大任务，住房抵押贷款证券化的独特魅力使我们有理由相信，引进这一金融创新在我国是非常必要的。
Since the first residential mortgage in 1992 , especially after the reformation of the china ' s housing system in 1998 , the business of residential mortgages has effectively stimulated domestic real estate market and promoted housing finance 从1992年发放第一笔住房抵押贷款以来，特别是1998年住房制度改革之后，个人住房抵押贷款有效地刺激了我国的房地产市场，促进了住房金融的繁荣发展。
The city housing system reform carried out in 1998 , released all the city resident ' s oppression emotion that was accumulated in many years . the reform also makes the purchase housing earnest of the city resident runs high and drives real estate market flourish 1998年实行的城镇住房制度改革一下子将人们多年积累下来的压抑情绪释放了出来，住房的商品化使居民的购房热情很高，带动了房地产市场的繁荣。
The housing problem of the lowest - income family is a problem attentioned by almost of every contries , western contries have experienced tens of years to solve it , in our countries , it was came up with the reform of housing policy 社会低收入家庭的住房保障问题是各个国家都比较重视的问题，西方国家解决社会低收入家庭的住房问题已经经历了几十年的发展和探索，但是在国内住房保障制度随着住房制度改革的深入才慢慢地被提出来。
Discussion of housing commercialization that launch and to traditional housing system understanding of drawback from the beginning of the eightieth in the 20th century have formed the common understanding of housing commercialization , become the theoretical foundation of the housing system reform 经过20世纪80年代初开展的住房商品化的讨论和对传统住房制度弊端的认识，形成了住房商品化共识，成为住房制度改革的理论基础。
After theoretically analyzing the finance regime , housing institution and real estate finance , mainly describing the characteristics of china ' s real estate finance , disadvantages of public housing in planned economy like china before her reform , and the history of the housing institution reform and the development of real estate finance , it compares and analyses housing finance modes of typical nations and areas , whose experience is used for china ' s reference 首先研究了金融制度、住房体制和房地产金融的基本理论和历史发展问题。主要分析了我国的金融制度和房地产金融相关的特点、计划经济的公共住房弊端和中国的公共住房，以及我国住房制度改革和房地产金融的发展历程。接下来通过对典型国家与地区房地产金融模式的比较分析，为我国房地产金融组织体系的构建与管理提供有益的借鉴。
Along with housing system reform of our country going on wheels , housing construction has made great achievement , but also emerges many extremely urgent problems in the housing market , particularly the mechanism unbalance contradiction between the supply and demand of housing , namely the housing production structure does not match up to residents income level and causes a large number of houses left unused , makes social resource wasted , become a great obstacle of health development of housing construction of our country 随着我国住房制度改革的顺利进行，住房建设取得了巨大成就，但住房市场中也出现了许多迫切待以解决的问题，特别是住房供需结构失衡的矛盾，即住房的生产结构与居民的收入水平不相匹配，导致住房空置现象大量出现，造成社会资源的巨大浪费，成为困扰我国住房建设健康发展的一大障碍。
