Analysis And Countermeasures Of Chinese Housing Consumption Credit Market

The research purpose of this essay is to analyze the main problems existing in the current Chinese housing consumption credit market and put forward the solution to the problems so as to enhance the housing consumption and boost the growth of national economy.I. The basic situation of Chinese housing consumption credit market Family is the basic component cell of the modern society and house is the base of the family civilization.As the old saying goes that live and work in peace and contentment, good housing policy and housing quantity is not only beneficial to the harmony and stability of the society but also make people have attachment to the motherland and devotion to work.The rapid development of the housing financial transaction with the commercial bank housing consumption credit as its representative greatly enhances the consumers'purchasing house payment ability, and housing consumption credit has been the major means to purchase their houses. At the end of 2005, the personal housing loan balance in Chinese commercial bank has counted up to 18400 Billion Yuan, which has increased by 31.2 times compared with the beginning of personal housing loan in 1997. The currently established personal housing loan types include personal dwelling housing commercial loan, personal commercial housing loan, personal housing accumulation fund loan, personal housing combination loan, out place in the country dweller housing loan, personal housing loan provided for bidding house purchaser, personal housing loan with secondary transaction, personal housing transfer loan and so forth. In addition, there are personal housing loans supporting the"live with comfort project","economical and applicable house","21st century well-off housing example village project". The above-mentioned personal housing loans basically meet the housing credit requirement of people in different walks. But personal...