促进房地产消费是我国转变经济发展方式、拉动内需的重要环节,而当前过高的房地产价格在一定程度上抑制了房地产消费。本文认为在推高房地产价格的众多因素中,银行过度的信贷支持是重要原因,文章从理论和实证两方面深入分析了两者的关系,最后就如何防止银行信贷支持过度以促进我国房地产消费提出了对策建议。 Promoting the consumption of real estate is an important part of transforming the mode of economic development in our country and stimulating domestic demand. However, the current excessively high real estate prices have restrained the real estate consumption to a certain extent. This paper argues that among the many factors that push up real estate prices, excessive bank credit support is an important reason. The article analyzes the relationship between the two theoretically and empirically. Finally, on how to prevent bank credit support in order to promote China’s real estate consumption The countermeasures and suggestions.