Housing Security and Housing Credit for Low-income Groups:The Analysis Based on House Filtering Model
本文运用住房过滤模型分析中国住房保障与信贷政策的效果与不足，旨在提升公共住房福利并维护住房信贷市场健康运行。
In recent years,China's urban housing price continues to rise.To protect the basic right of residents has become a major problem of urban development.At present,a number of security policies have been built from both supply and demand,but the internal operation mechanism of housing market is still unclear.Foreign researches show that House Filtering Model can be applied to analysis of housing market.This article attempts to use House Filtering Model to analysize the effect of Chinese housing policy and housing credit policy.The author lists policies of housing security and housing credit in this article,and compares the factual effectiveness and disadvantages of each policy from the perspective of House Filtering Model,trying to find a way to improve the level of public housing benefits and maintain the healthy operation of the housing credit market.