工业化和城市化滥觞以来，住房政策主要关注三方面的价值要素：安全、可支付性和可获得性。经过快速发展和变迁，当前中国的住房租赁体系形成了以市场化租赁住房为主、非正规住房和保障性租赁住房为辅的格局。然而，非正规住房能满足可支付性和可获得性，却存在诸多安全隐患；市场化租赁住房能兼顾安全和可获得性，但可支付性较差；保障性租赁住房具有可支付性和安全方面的优点，但在可获得性方面较为欠缺。这三类住房都只能满足其中两种价值，而无法同时满足三种价值，从而形成了所谓的"三元困境"。为了促进我国住房租赁市场平稳健康可持续发展，当前应重点发展成本型租赁住房，强化包容性住房政策，加强对租赁住房的安全监管，规范租赁市场秩序，增强扶持政策的协同性。
Since the movement of industrialization and urbanization, affordability, security, and accessibility have been the three value elements concerned in housing policy. Through rapid development and change, rental housing system in current China has been composed by market-oriented rental housing, informal housing, and affordable rental housing. There are many security risks concerning informal housing although it meets affordability and accessibility. Market-oriented rental housing can balance security and accessibility, but it has poor affordability. Affordable rental housing has the advantages of affordability and security, but it is lacking in terms of accessibility. There is a so-called trilemma because any of the three types of housing can meet only two value elements rather than all of there. In order to promote the stable, healthy and sustainable development of the housing rental market, we should give priority to the development of cost-based rental housing, strengthen inclusive housing policy, intensify safety supervision for rental housing, and enhance the synergy of supportive policies.
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