随着房改进程的深入，当前住房资金归集使用特点以及银行房改金融业务所面临的竞争形势发生了新的变化，本文拟对建设银行今后如何发展房改金融业务作初步探讨。1当前政策性住房资全的归集使用特点1．1住房资金具有潜在市场广阔，总量增加较快的特占住房资金主要包括住房公积金 With the deepening of the housing reform process, the characteristics of the current collection and use of housing funds and the banking sector faced with the reform of the financial business situation has undergone a new change, this paper intends to China Construction Bank in the future how to develop the financial reform business for a preliminary discussion. 1 the current characteristics of the collection of the use of housing policy characteristics 1.1 housing funds with a potential market is vast, the total increase in the amount of special housing funds include housing provident fund