我国进行住房体制改革的目标是实现住房商品化、分配货币化、购房市场化,其中住房分配货币化是关键。通过把原来工资收入中由国家和单位统一扣除的住房资金直接纳入职工的个人工资,确立职工个人作为住房投资主体、消费主体的地位,国家不再负责解决职工住房问题 The goal of housing reform in our country is to realize the commercialization of housing, the monetization of distribution, the market-oriented purchase of housing, and the monetization of housing distribution is the key issue. Through the original wage income by the state and the unit unified deduction of housing funds directly into the personal wages of workers to establish individual workers as housing investment and consumer status, the state is no longer responsible for solving the housing problems of workers