我国住房消费信贷市场分析及应对策略

Analysis and countermeasures of the house consumptive credit market of our country

通过研究我国现阶段住房消费信贷的状况和住房消费信贷市场的发展,阐述了发展住房消费信贷的可行性。从借款方、贷款方、开发商等外部环境分析了影响住房消费信贷的因素,总结了现阶段我国住房消费市场存在的主要问题,并提出了培育住房消费信贷市场、提高信贷服务水平、强化风险防范机制、建立社会信用体系、加快法规制度建设等解决问题的建议。

The paper has explained the feasibility of developing the house consumptive credit through studies of the state of the house consumptive credit and the development of the house consumption credit market at the present stage of our country.The paper has also analyzed the factors influencing house consumptive credit from external environment conditions such as the loan party,credit party,developer party,etc,and has also summarized the major problems that exist in the house consumption market at the present stage of our country and has also proposed some suggestions to solve the problems,such as fostering the house consumption credit market,improving the level of credit services,strengthen the mechanisms against the risks and taking precautions,establishing the system of social credit,accelerating the construction of regulation system,etc,so as to improve the house consumptive credit,enabling it to be developed in a healthy way continuously.