This change may be attributed to China's housing reform in 1998. Until then, most urban employees in China had lived in allocated public houses. Since 1998, urban employees have been encouraged to buy their own homes by using their own savings, together with the one-off housing subsidies they receive or housing loans provided by banks. There is no doubt that the housing reform has led to the growth in the rate of private home ownership and a building boom, and has improved the living conditions of urban residents as well.
I believe this trend will continue for some years to come. A final word of caution-the government may have to be careful not to let housing prices get out of hand as a building boom may lead to a rise in property prices.
1990年至2010年，我国的住房所有权发生了巨大的变化。如图所示，我国某城市公有住房的比例大幅度减少，从1990年的75％下降到2010年的20％；而同期自有住房的比例急剧上升，从25％增加到80％。
这一变化可能归因于我国1998年的住房改革。直到那时，我国大多数城市职工还住在国家分配的公房里。自1998年以来，国家鼓励城市职工用自己的积蓄以及拿到的一次性房补或银行提供的住房贷款购买自有住房。毫无疑问，住房改革带来了住房自有率的上升和一股建设热潮，还改善了城市居民的生活条件。
我认为这种趋势在未来几年会持续下去。最后再提醒一句：因为建设热潮可能会使房价上涨，政府可能要注意不能让房价失控。
significant 显著的
home ownership 住房所有权
state-owned house 公有住房
considerably 相当大地
private house 自有住房
housing reform 住房改革
allocated 分配的
public house 公有住房
home 住房
savings 积蓄
one-off 一次性的
housing subsidies 房补
housing loan 住房贷款
building boom 建设热潮
living conditions 生活条件
caution 警告
housing price 房价
property 住房
1 A significant issue of China's housing boom is a considerable increase in housing prices, which poses enormous challenges at both central and local government levels.
我国房地产繁荣的一个重要问题是房价的大幅上涨，这给中央和地方都带来了巨大的挑战。
