对中国综合社会调查(CGSS)的数据进行分析显示,拥有自己的住房是影响我国国民幸福的最重要的因素之一,强于遭受入室抢劫和入室盗窃,仅次于婚姻、健康和雇佣状况。剥夺国民房产则将导致国民幸福在幸福急降区域的急速降低。美国的个人住宅豁免制度和次贷危机下的房产强制拍卖的经验、教训和相关研究能够有效保护房产,对中国通过制度设计防止国民幸福骤降给出了有益的启示。 An analysis of the data from the China General Social Survey (CGSS) shows that having one’s own home is one of the most important factors affecting national well-being in our country, outweighing the incidence of burglary and burglary after marriage, health and employment. The deprivation of national real estate will result in the rapid decline of national well-being in areas of rapid economic decline. The experience, lessons and research of real estate compulsory auction under the personal residential exemption system in the United States and real estate under the subprime mortgage crisis can effectively protect real estate and provide useful enlightenment for China through system design to prevent the national happiness from falling sharply.