【中文版】

中国房价高，主要原因有以下几点：

一、城市化进程加快，住房需求大。中国城市化率相比发达国家还有一定差距，仍有大量人口从农村进入城市，这导致住房需求量不断增加，房价水平也随之上涨。

二、土地资源稀缺，地价上涨。中国人口众多，土地资源相对较少，尤其是大城市市区土地资源更加稀缺，地价水平不断上涨，进而推高了房价。

三、房地产开发商的垄断地位。在城市化的进程中，房地产开发商逐渐掌握了城市土地和房屋资源的控制权，垄断了房地产市场，使得房价水平难以得到有效的调控。

四、银行贷款的过度支持。银行对房地产业过度支持也是房价高涨的原因之一。在银行贷款的支持下，房地产开发商可以以更低的价格获得资金，从而在房价竞争中占据更加有利的地位。

综上所述，中国房价高涨的原因是多方面的，包括城市化进程的加快、土地资源的稀缺、房地产开发商的垄断地位以及银行贷款的过度支持等。为了控制房价上涨，需要从多个方面入手，加强房地产市场监管，推动房地产市场健康发展。

【英文版】

The high price of Chinese housing can be attributed to the following reasons:

Firstly, the rapid urbanization process has increased the demand for housing. China's urbanization rate is still lower than that of developed countries, and there is a large population moving from rural areas to cities, resulting in a continuous increase in housing demand and a corresponding rise in housing prices.

Secondly, the scarcity of land resources has led to an increase in land prices. With a large population, China has relatively scarce land resources, especially in urban areas where land resources are even more limited. The rising land prices have pushed up housing prices.

Thirdly, the monopoly status of real estate developers. In the process of urbanization, real estate developers have gradually gained control of urban land and housing resources, monopolizing the real estate market and making it difficult to effectively regulate housing prices.

Finally, the over-support of bank loans. The excessive support of bank loans for the real estate industry is also one of the reasons for the high rise of housing prices. With the support of bank loans, real estate developers can obtain funds at lower prices, thus gaining a more favorable position in the competition of housing prices.

In summary, the high price of Chinese housing is due to multiple factors, including the rapid urbanization process, the scarcity of land resources, the monopoly status of real estate developers, and the over-support of bank loans. To control the rise in housing prices, measures need to be taken to strengthen supervision of the real estate market and promote its healthy development.