农民工的住房消费金融支持问题越来越受到社会各方关注。随着农民工市民化待遇的提出，农民工住房消费也成为迫切需要，农民工住房消费需要住房公积金政策性金融手段支持。然而目前的公积金制度主要面向城镇居民，农民工很难享受到公积金这一政策性住房消费金融手段的支持，因此，有必要针对公积金存在的问题进行制度创新，结合农民工的实际特点，在现有公积金制度的基础上建立和完善面向农民工住房消费的公积金制度，以促进农民工的住房消费，满足农民工的住房消费金融支持的需求，拉动内需需求，推动房地产市场交易，也有利于促进社会公平发展。

The attention has been increasingly paid to the housing financial support problem for migrant workers throughout the whole society. With the proposed citizenization of new citizens, migrant worker’s housing consumption has become an urgent need, while financial policy support is strongly requested at the same time. However, the existing housing public accumulation fund system is mainly targeted at urban residents, excluding migrant workers from this welfare system. Therefore, it is necessary to carry out institutional innovation combined with the actual demand of peasant-workers and establish an improved housing public accumulation fund system. Such institutional reform will not only promote housing purchase of migrant workers directly by satisfying their financial demand thus leading to the prosperity of the real estate market, but also contribute to the achievement of social fairness.