中文摘要：

针对新出现的个人集资合作建房现象，从管理学和经济学角度进行了原因、问题及对策分析。如何加强和规范对这一新生事物的管理是本文探讨的重点。

英文摘要：

There happened raising funds and building house jointly by individuals in many cities recently. This article discussed the reasons, problems and solutions of this event from the viewpoints of management and economics. This study focused on how to strengthen the standard control on this new event.