城市住房问题是世界各国普遍面临的棘手问题,几乎每个国家都存在不同程度的住房短缺问题,即使像美国、西欧等高度发达的市场经济国家,也有大量无家可归者。但新加坡仅用30年时间就成功地解决了城市住房问题,实现居者有其屋目标。究其原因,可以归结为新加坡经过几十年的不断发展,最早推行了以建立健全社会保障体系为目标的、具有自我积累、自我发展机制的住房公积金制度,被世界各国誉为“东方岛国的奇迹。” 我国城市住房问题同样也是十分严重的,人民群众迫切要求解决住房问题。而解决住房问题的关键是解 Urban housing is a thorny issue generally faced by all countries in the world. In almost every country, housing shortage exists to varying degrees. Even in highly developed market economy countries such as the United States and Western Europe, there are a large number of homeless people. However, in 30 years, Singapore successfully solved urban housing problems and achieved the goal of home ownership. The reason can be attributed to Singapore’s continuous development over the past decades and earliest implementation of the system of housing accumulation fund with the mechanism of self-accumulation and self-development aimed at establishing and perfecting the social security system. It is praised by countries all over the world as “the island nation of the East Miracles. ”The problem of housing in our cities is also very serious, and the people are urgently required to solve the housing problem. The key to solving the housing problem is solution