Study On The Problem Of Developing Of Housing Consume Credit In Our Country

The housing consume credit have already had the history of many years overseas. Particularly, it is after the World War II that the housing consume credit make a great progress at developed countries.It has become a important part of the residents subsistence. It is the source of the income of financial institution and real estate corporation. It is a powerful driving to boost the national economic growth.Since the 1990s', the housmg consume credit has developed quickly in China. The balance of the housing credit hit 5598 hundred million yuan in the year of 2001. The housing consume credit has been widely emphasized and advocated as one of effective measures to induct the real estate market, enlarge the domestic demand and drive the development of economy. But there are still many hindrances in the way of developing housing consume credit such as institutional, idealistic, anticipative, financial and environmental factors. After analyzing these factors, the author put forward the main strategies to develop the consume credit. The government should make great efforts to ameliorate the conditions of the housing consume credit, improve the governable income of the residents. Banks should study the experience of other countries for reference and adjust their own management strategy. Consumer must change their concept of consumption, understand the important of honesty and credit, improve the ability to manage their own property efficiently.