开展住房消费信贷业务，促进房地产市场发展以扩大内需，是我国政府为刺激经济增长而采取的一项重要举措。由于此举关系到住房改革的成败和宏观经济的消长，已成为备受关注的焦点之一。但银行要成功推进住房消费信贷业务，就需要解决在开展该项业务中所面临的一系列风险。... To carry out housing consumer credit business and promote the real estate market to expand domestic demand is an important measure taken by our government to stimulate economic growth. As the move related to the success or failure of housing reform and the growth and decline of the macro-economy have become one of the focuses of great concern. However, if banks want to successfully promote the housing consumer credit business, they need to solve a series of risks they face in carrying out this business. ...