Comparative Studies on Public Accumulation Fund System and Housing Saving System

摘要

At present, our administrative housing finance of private housing financial system only includes public accumulation fund system. Its own defects have destined its limitation in realizing the goal of the government's housing policy. In order to raise steady housing funds, enrich residents' housing financial products, improve residents' housing solvency and promote the development of real estate industry, we must seek a new housing financing way. On the basis of comparative studies on public accumulation fund system and housing saving system, the paper has discussed the feasibility and necessity of the foundation of housing saving system and put forward the idea to establish a complex housing financial system in China.