我国保障性租房市场的多重困境与应对策略
The Multiple Challenges and Coping Strategies of the Affordable Rental Housing Market in China

本文研究了我国保障性租房市场所面临的多重困境及其潜在的金融风险。通过深入分析我国保障性租房的发展现状与存在问题，本文重点探讨了由于市场机制不健全和监管不足而可能引发的系统性金融风险，特别是借鉴了韩国全租房市场崩盘的教训，并强调了保障租户权益与维护社会稳定的重要性。文章从政策执行困境、市场机制缺陷、金融风险防范等多个层面进行了深入探讨，并提出了综合性的应对策略，强调在保障民生的同时应防范金融风险，避免因政策短视而忽视长远发展。最后，文章呼吁通过系统化的政策设计和有效的市场监管来实现住房保障的长效机制，确保居民“住有所居”并促进社会和谐稳定发展。
This paper examines the multiple challenges and potential financial risks faced by the affordable rental housing market in China. Through an in-depth analysis of the current development and issues in China’s affordable rental housing sector, the paper focuses on the systemic financial risks that may arise due to inadequate market mechanisms and insufficient regulation. Drawing lessons from the collapse of South Korea’s jeonse housing market, it emphasizes the importance of protecting tenant rights and maintaining social stability. The paper explores various aspects, including policy implementation challenges, market mechanism flaws, and financial risk prevention, and proposes comprehensive coping strategies. It underscores the need to balance social welfare with financial risk prevention and cautions against short-sighted policies that neglect long-term development. Finally, the paper calls for systematic policy design and effective market regulation to establish a sustainable housing security mechanism, ensuring residents have stable housing and promoting social harmony and stability.