１法国住房抵押贷款制度概况法国住房金融体系已由分散化的、高补贴的、政府管制型体制迅速向市场化体制过渡。１９８４年，市场化抵押贷款只占抵押贷款总额的２５％，到１９９０年，已有一半以上的抵押贷款是市场化抵押贷款，没有任何形式的政府补贴。如果把计划贷款（Ｒ... 1 Overview of the French Housing Mortgage Loan System The housing finance system in France has rapidly transitioned from a decentralized, highly subsidized and government-regulated system to a market-based system. In 1984, market-oriented mortgages accounted for only 25% of total mortgage loans. By 1990, more than half of the mortgages had been market-based and had no government subsidies of any kind. If the planned loan (R ...