城市人口和物质在特定空间范围上集中，尤其是带着不同制度烙印的新市民的拥入，使城市交往集聚程度日益提高，城市交易活动的范围深化，交易频率增加，由此改变了城市交易成本水平，产生各种城市问题，其中新市民的住房问题日显严重。合适的城市内在和外在制度正起着降低城市交易成本的作用，能够对新市民产生正向激励作用、鼓励不同形式创新性试错。改革农村土地所有制、改革户籍制度、放开各类金融机构的贷款限制、取消各类创业、就业限制、取消各种住房市场的限制条件等制度调整，将有效地解决新市民住房问题，进而促进城市健康发展。

When materials and population, especially new townspeople with different institutional brands, are centralized in the given space in a city, the agglomeration of interaction is increasing day by day. With the deepening scope of transaction and the increasing transaction frequency, urban transaction cost has been changed and all kinds of urban problems arise. One of the problems that become more and more serious is the new townspeople housing problem. Appropriate internal and external institutions, which reduce urban transaction cost, can have positive incentives to the new townspeople and encourage various forms of innovation with trial and error. It will effectively solve housing problems of new townspeople and promote the healthy development of the city to reform rural land ownership, reform household registration system, let go lending restrictions on all kinds of financial institutions, cancel all types of business, employment restrictions, cancel various housing market conditions and make other system adjustments.