在借鉴了美国、墨西哥等国经验和教训的基础上，指出固定利率住房抵押贷款和一般的可变利率抵押贷款并不适于时刻处于通货膨胀压力下的发展中国家。为了防范、抵御通货膨胀风险，我国应尝试设计并实施双指数住房抵押贷款（ＤＩＭ）。本文分析了ＤＭ的原理，并利用现金流量分析方法建立了我国ＤＩＭ的数学模型，并就有关ＤＩＭ的一些问题加以分析。 Based on the experiences and lessons learned from the United States and Mexico, it points out that fixed-rate mortgages and general variable-rate mortgages are not suitable for developing countries under the pressure of inflation at all times. In order to prevent and combat the risk of inflation, China should try to design and implement Double Index Mortgages (DIM). This paper analyzes the principle of DM, and uses the cash flow analysis method to establish the mathematical model of DIM in our country, and analyzes some problems about DIM.