住房制度的改革，促进了金融业的发展，房改金融就是伴随着住房制度改革而兴起的新型金融业务，二者相辅相成，同步而生。1房改全融是住房制度改革的产物多年来，我国住房制度实行的是产品经济的福利性实物分配制度。在这种制度下，住房建设单纯依靠政府财政投资，形成住房资金 The reform of the housing system has promoted the development of the financial industry. Housing reform finance is a new type of financial business that is accompanied by the reform of the housing system. Both of them complement each other and emerge simultaneously. 1 Housing Reform and Financial Integration is the product of the reform of the housing system Over the years, China’s housing system is the implementation of the welfare of the physical distribution system. Under this system, housing construction relies solely on government financial investment to form housing funds