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一、住房与金融息息相关随着我国人口的增长、城市化的发展以及人民生活水平的提高,解决城乡居民的住房困难、改善住房水准就越来越成为一件关系到国计民生的大事。安居才能乐业,经济才能发展,社会才能稳定。然而,现有的和潜在的庞大的住房需求却由于资金供给不足而受到抑制,住房商品化进程遇到阻碍。按照人均8平方米的住房小康目标计算,每年有近200亿元的住房建设资金缺口。为什么有着庞大需求的住房市场,却不能形成资金的有效供给,而使得住房商品化进程步履艰难呢?首先,从住房消费的自身特点来看,住房消费一次性投入高,使用期限长。即使是在高收入
First, the housing and financial closely related With the growth of our population, urbanization and improvement of people’s living standards, to solve the housing difficulties of urban and rural residents, improving housing standards is increasingly becoming a major event related to the national economy and the people’s livelihood. To live happily ever after, can the economy develop before social stability can be achieved. However, the existing and potentially huge demand for housing has been dampened by inadequate funding, and housing commodification has been hampered. In accordance with the target of 8 square meters per capita housing well-off, nearly 20 billion yuan a year housing construction funding gap. Why housing demand with a huge demand, but can not form an effective supply of funds, which makes the process of housing commercialization difficult? First of all, from the perspective of housing consumption of their own characteristics, one-time investment in housing high life expectancy. Even at high income