通过理论分析 ,论证了拓展住房二级市场金融业务是解决住房价格与居民收入之间比差过高这一启动住房消费面临的最大难题的现实的选择 ,并提出了拓展住房二级市场金融业务的具体思路。 Through theoretical analysis, it is demonstrated that expanding the financial services in the secondary market of housing is the realistic choice to solve the biggest problem of starting housing consumption that the ratio between housing prices and residents’ income is too high, and proposes to expand the secondary business of housing finance The specific idea.