[摘　要]　对国际住房金融的基本融资模式进行概括，并对其中占主导地位的市场化融资模式进行深入的分析与比较，在此基础上，介绍了各国住房金融发展状况。最后对我国住房金融的发展方向提出了政策建议。
[关键词]　住房金融;抵押贷款证券化;国际比较研究
Abstract: This paper gives a summation of basic housing financial models in the world and puts the focus on the market-oriented housing financial system.Based on this,it introduces the financial development status of various countries.Finally,suggestions for future development of China's housing financial system are provided.
Key words: housing finance; mortgage securitization; international comparative study
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建筑经济，2009（9）：103-105