论发展居民住房资金形成信托王春满肖金华房改中确立由城市、单位、个人三方筹资构成住房基金，明确地规范了住房基金的来源渠道。但是，当前存在着诸多阻碍资金有效运转的因素，一是住房公积金的汇集由于某些有房单位的抵制而不能够顺利实现，二是银行贷款由于受到资金来... On the development of residential housing funds to form a trust Wang Chun Man Xiao Jinhua Housing reform established by the city, unit, individual financing constitute a housing fund, clearly regulate the sources of housing funds channels. However, there are many factors hindering the effective operation of funds. First, the collection of housing provident funds can not be successfully implemented due to the boycott of some housing units. The second is that bank loans are subject to funding ...