住房金融是为住房及其相关方面提供筹资、融资。结算等信用活动的总称．与房地产业开发、经营与管理活动有密切联系，是金融业的重要组成部分，也是一种具有自身特点、行业属性和相对独立体系的金融业务。按照国家“九五”计划，到2O00年，我国城镇居民人均居住面积将提高到9平 Housing finance provides housing and related parties with financing and financing. Settlement and other credit activities collectively. It is closely linked with real estate development, operation and management activities and is an important part of the financial industry. It is also a financial business with its own characteristics, industry attributes and relatively independent system. According to the “Ninth Five-Year Plan” of the country, by 2000, the average living space for urban residents in China will rise to 9