CAJ | 학술논문

新加坡住房问题在殖民地时代长期存在并遭受忽视；独立后，新加坡政府不断致力于解决住房问题，并且将之当成构建典范国家的工具。通过长期强有力的政策干预，新加坡政府建立了以中央公积金为主要资金支持、以住房开发局为主导供应方式和以自有住房为主要权属的独具特色的住房政策体系。花园般的居住环境、较高的住房自有率、对经济发展和族群融合的促进以及效率与公平的兼顾等显示了新加坡住房政策干预的成功，在住房政策领域，新加坡可称为“资产建设”的典范。然而，新加坡住房政策也存在公共住房过度投资、损害中央公积金养老功能以及收入分配差距较大等消极效果。
신가파주방문제재식민지시대장기존재병조수홀시；독립후，신가파정부불단치력우해결주방문제，병차장지당성구건전범국가적공구。통과장기강유력적정책간예，신가파정부건립료이중앙공적금위주요자금지지、이주방개발국위주도공응방식화이자유주방위주요권속적독구특색적주방정책체계。화완반적거주배경、교고적주방자유솔、대경제발전화족군융합적촉진이급효솔여공평적겸고등현시료신가파주방정책간예적성공，재주방정책영역，신가파가칭위“자산건설”적전범。연이，신가파주방정책야존재공공주방과도투자、손해중앙공적금양로공능이급수입분배차거교대등소겁효과。
Singapore＇s housing problems has existed and ignored during the colonial era. After the independence, solving the housing problem has been committed by the Singapore Government and has been served as a tool to es- tablish a new and model state. With long-term powerful policy interventions, Singapore goverment has established a unique housing policy system with the Central Provident Fund as financial support, the Housing Development Bu- reau as the leading provision role, and the owner-occupied housing as the main tenure choice. The garden-like resi- dential environment, higher homeownership rates, strong supports for economic development and ethnic harmony and so on, all demonstrate the success of Singapore＇s housing policy interventions, and Singapore can indeed be named the model of ＂asset-building policy＂ for housing policy. Even so, Singapore＇s housing policy has negative effects, such as over-investment in public housing, the Fund, and the larger income gap. damage of the pension function of the Central Provident