Along with the reform of the housing system and the reform of the enterprises running social functions , the statutory public welfare fund " s original statutory purpose ? use for the staffs ’ collective welfare facilities has lost real meaning , thereby it causes a lot of statutory public welfare fund becomes as a form without substance 随着我国住房制度改革和企业分离办社会职能改革的进行,法定公益金的原有用途? ?兴办集体福利设施已经失去了实质的意义,进而引起大量的法定公益金闲置挂账,成为了没有实质的形式。
Establishing and developing domestic finance market for housing plays a vital role in the housing system reform and economic development . during the past few years , housing mortgage has been the crucial profit - growing point for domestic finance sector . more perfect housing finance market will contribute to the extensive development future for finance sector 建立和发展我国的住宅金融市场对住房制度改革和经济发展有着极为重要的作用，近几年来住宅抵押贷款已成为我国银行业的重要的利润增长点，因此完善住宅金融市场为我国金融业提供了广阔的发展空间。
With the background of the fast urbanization and housing system reform of our country , integrating with the characteristics of shenzhen city , the paper makes a preliminary study on the policy , the design principle and the method as well as other relative problems of the dwelling of the low - income floating population through the investigation of the existing condition and analyzing the residential need and settlement pattern . the paper also draws lesson from the successful experience of public housing development in other countries and regions 论文以中国城市化进程和中国住房制度改革为背景，结合深圳城市的特点，通过对低收入流动人口居住现状的调研分析，分析流动人口的居住需求和居住模式，并参考了国内外公共住宅建设的经验，对解决低收入流动人口住居问题的对策、住居设计的原则、方法及相关问题进行了初步探讨。
The beijing market of real estate began to revive after the execution of the reformation and opening policies . its rapid growth has accompanied changes in the regulations of housing and of land use , and has been even more facilitated by the transformation from government - controlled economy to market - directed economy 北京房地产市场在改革开放后开始复苏，随着土地使用制度改革和住房制度改革的不断深化而迅速崛起，随着计划经济向市场经济体制的逐步转轨而快速发展。
Along with the reform progress of our country housing system continuously quicken , the demand of the housing mortgage will quickly increase , this will make our country financing institution ' s short - term funds be used by long - term loan contradiction and funds missing problem quickly appear , and now this kind of condition has appeared in some regions of our country , the housing mortgage securitization to be used as a good the path of solution is very much deserve we to go deep into research 随着我国住房制度改革进程的不断加快，住房抵押贷款的需求量将快速增长，这必将会使我国金融机构“短存长贷”的矛盾和资金短缺问题很快凸现，而且目前我国一些地区这种状况已经出现，住房抵押贷款证券化作为一条较好的解决途径非常值得我们进行深入细致的研究。本文通过借鉴典型国家和地区住房抵押贷款证券化的经验，结合我国的现实状况，提出了我国当前实施住房抵押贷款证券化的策略。
