在过去的五年里,我国居民收入整体上涨较快,但同时,我国居民之间的收入差距也在不断的扩大。收入差距的扩大,导致了我国边际消费倾向的下降,导致了各阶层居民购房能力差异的增大,出现了一方面居民收入水平提高,另一方面,社会上“买不起房”的呼声增加。因此,完善我国住房保障体系,就成为了解决中低收入家庭住房需求的关键之一。 In the past five years, the income of our country’s residents as a whole has risen rapidly, but at the same time, the income gap among our residents has also been constantly expanding. The widening income gap has led to the decline of the marginal propensity to consume in our country. This has led to an increase in the purchasing power of residents of all social strata. There has been an increase in the level of residents’ income, on the other hand, the society can not afford housing The voice increased. Therefore, improving China’s housing security system has become one of the keys to solving the housing needs of low-income families.