启动住房消费作为拉动经济增长的新增长点，消费信贷尤其是住房信贷成为经济生活中的新亮点。长沙商品房积压现象仍十分严重， 住房消费信贷的实施效应远没有预期的理想，大量空置房占压信贷资金的状况没有任何改观，对此进行了调查与分析 Start housing consumption as a new growth driver of economic growth, consumer credit, especially housing credit has become a new bright spot in economic life. Changsha real estate backlog is still very serious phenomenon, the implementation effect of housing consumer credit far from the expected ideal, a large number of vacant housing credit pressure on the situation did not change any of the funds, which conducted a survey and analysis