住房问题是世界各国政府都必须认真研究和解决的重大问题之一，纵观发达国家住房发展的历史，无一不是借助银行按揭业务，来促进社会住宅的自有化。这两年金融体制不断深化发展，银行成为商业银行后，按照市场经济运作．金融部门也适应住房制度改革的目标要求进行了配套改革， Housing is one of the major issues that all governments in the world must seriously study and solve. Looking at the history of housing development in developed countries, it is all about using banks’ mortgage business to promote the socialization of houses. In the past two years, the financial system has continuously deepened its development. After the bank became a commercial bank, it operated in accordance with the market economy. The financial sector also adapted to the objectives of the housing system reform requirements of the reform,