Observed from the macrocosm economic environment we can see that, the prospect of the housing industry provides the housing consumption credit with a wild development scope.

• 个人住房贷款中存在道德风险和逆选择的安全性问题。发展住房消费信贷的建议针对住房消费信贷市场存在的问题，提出如下建议：1、金融机构对策。