摘要
完善的住房抵押贷款市场有助于居民家庭福利水平的提高 ,实现住房消费效用的最大化。我国住房抵押贷款市场处于发育初期 ,存在市场规模小、市场结构单一、功能不全等问题 ,需要从简化贷款手续。
Perfect housing mortgage loan market is conducive raising the residential household welfare and making the effectiveness of housing consumption maximum. China's housing mortgage loan market is in the primary developing stage. There are a series of defects such as small scale, single structure, incomplete function, etc. It is necessary to simplify the loan procedure, prefect intermediary service, develop secondary market so as to promote the development of housing mortgage loan market.
