一个更为发达的金融体系将提供不动产以外的替代性保值工具，从而将使人们更容易拥有房屋。 随着基金组织展开对中国的“金融部门评估 ” ( Financial Sector Assessment Program ) ， 基金组织与中国政府在今年里将对这些问题进行更深入的研究。
By developing markets for private pensions, commercial health insurance, and annuities, China could complement expanded government provision of social insurance and weaken the incentives that underlie high precautionary saving.