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With the current market regulation's main target market unity. 'China Real Estate Association Research Associate Kangjun Liang expressed China Development Bank branch in Hunan Province Governor Wang Xuedong also said that in order to achieve' Housing 'housing security objectives, the proposed establishment of a national housing bank guarantees, mainly for the' sandwich class 'housing consumption construction of affordable housing and provide long-term, low-cost financing, housing finance policy played 'underpinning' effect, to make up for the absence of commercial housing finance, but Kangjun Liang pointed out that the national housing Bank and the China development Bank after the establishment of the housing Finance Division the difference is that CDB is directed to shantytowns and other affordable housing construction funds category, which is funding the supply side, while the national housing Bank is based on the policy of housing finance institutions housing accumulation fund system based on established for low-income crowd of buyers, the demand side is worth mentioning that, after the manuscript fund regulations, allowed to issue individual housing provident fund loans backed securities, will also become an important aspect of national housing bank sources of funds, the effective expansion of the fund imputation single channel. Department of Housing Provident fund supervision Secretary Zhang Qiguang previously said, such as allowing special financial bonds issued each year one trillion yuan in 2015, the funds will be close to 6 trillion yuan in 2020 is expected to reach 20 trillion yuan, can basically meet the first set of owner-occupied and improved demand for housing low-interest loans for the source of funds, the Agricultural Bank of China chief economist Jo to the song that to the housing accumulation fund system based on the establishment of the national housing Bank, the housing fund will be transferred directly the policy banks through the issuance of financial bonds to raise funds in the form of subsidies to income transfers. 'Although the conditions established by the national housing Bank has basically met, but there is still research stage. 'Housing and Urban Policy Research Center researcher Zhao Lu Xing said that the establishment of the Housing Bank's fund management institutions means that the center will be the restructuring of financial institutions, on the one hand, management ownership difficult to set, on the other hand, whether they have the financial management capacity is unknown. Further the current housing fund mainly dominated by local fund management center management, if the establishment of the national housing Bank, that