住房是人类赖以生存的衣、食、住、行等基本生活要素之一。改革开放以来我国的住房建设和住房改革取得了重大成就，随着土地资源的日益紧缺，近年来城市房价的不断攀升，城市中低收入群体住房难问题十分突出，成为影响社会稳定的重要因素，对构建和谐社会十分不利。为缓解住房难，保障人的基本居住权，国家陆续出台住房保障政策，开始大规模建设保障性住房。
住房保障制度应涵盖廉租房、经济适用房及住房公积金三个方面制度。由于起步晚，发展慢，仍然很不成熟，使得住房保障制度没有发挥其应有的作用，应完善财税金融配套政策来促进住房保障制度的实施。本文分析了住房保障制度存在的问题，并提出了相关措施。
关键词：居住权；保障制度；问题；对策
The housing is the survival of the human clothing, food, shelter, and other basic elements of life. Since the founding of new China’s housing construction and housing reform has made a great achievement. But in recent years with the increasing shortage of land resources, city house prices rising, city low-income group housing faces difficult problem. It is in this context, our country in succession to improve housing security policies, began large-scale construction of affordable housing.
In order to realize the social justice, the government must take effective measures to help low-income people to solve the housing problem. Our country is preliminary formed the urban housing security system, including low rent housing, affordable housing and housing accumulation fund system in three aspects. The current housing security system to solve the housing problems of low-income families has played a larger role, but because start late, progress is slow, is still not mature, there are more problems, the housing security did not play its due role, to a certain extent even worsen existing housing problem child. Especially in the financial field, there is no corresponding policies to promote the implementation of housing security system. While some foreign developed countries due to early implementation of housing security system, the system is relatively perfect, there are many worthy of our study and reference. So how to combine the actual conditions of our country, build a suitable conditions relative to improve the urban housing security system, is the current urgent need to solve a major problem.
Key Words: Problem; housing security; system;
目 录
4.1.1将保障性住房建设与国企改制相结合，促进保障性住房建设。
4.1.2将保障性住房建设与棚户区改造相结合，实现两项工作的“双赢”
4.1.3将保障性住房建设与城镇化建设想结合，进一步推进保障性住房建设
