This paper, using document analysis and empirical analysis, analyses Chinese housing accumulation fund system from the following four aspects: First, research for the typical foreign housing system.

Office building in the collection of personal housing accumulation fund loans for personal credit rating information into the system, the risk of personal loans for presentation.

This is not to say that reserve accumulation was the only cause for the current crisis. Yet the core issue remained the Chinese willingness to fund America's consumption and borrowing habit.