中德住房储蓄银行对我国住房消费信贷的启示

中德住房储蓄银行作为我国第一家真正意义上的住房储蓄银行,已开始正式营业。本文首先对住房储蓄制度与住房公积金制度进行了比较,然后分析了住房储蓄银行在我国的实施情况及在实施过程中出现的问题,并对住房储蓄与住房公积金组合的住房消费融资方式进行了前景分析。在此基础上,提出了完善我国住房融资体系的相关建议。

Enlightenment of Sino-German Bausparkasse to Chinese Housing Loan

Sino-German Bausparkasse which was authentically the first housing saving bank in China was opened. The system of housing saving and housing accumulation fund were compared in this paper firstly. After that, the situation and the problems of the housing saving bank in current China were elaborated. Then the foreground of the new housing financing which was combined with the system of housing saving and housing accumulation fund was analyzed. Based on these, the suggestions for consummating Chinese housing financing system were advised.