China “affordable housing” construction，is an important part to build a “Chinese Dream”，its status can rise to the height of the national strategy. Based on this height，this paper of the Chinese housing construction is compared with the United States，including the idea of building affordable housing，credit system，legal basis，until the comparison of national strategies. The authors believe that on the “affordable housing” market-oriented way，China should be based on the national conditions. Comparing with the American affordable housing on one hand，on the other hand for reference to the German experience in monetary policy.

At the same time，combined with China’s domestic and international economic and political environment，given China’s affordable housing building coping strategies and innovative ideas that China should hold monetary sovereignty to the bottom line，adhere to the “financial-based，loose structure，monetary stability”，meanwhile develop financial innovation on the basis of the social credit system without any hesitation.