In addition, by basing on the consumer defaulting behavior analyzing and summarizing the main risk factors, we can measure the credit risk of housing loans through some useful economic models.

• 在研究消费者违约行为的基础上，归纳出了我国住房贷款违约的主要风险因素，并利用实用的经济模型对住房贷款信用风险进行度量。