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住房金融的健康发展离不开健全的个人信用制度，但同时住房金融的运行又为我国个人信用制度建设提供了试点条件。我国个人信用建立的对象可从正在实施按揭贷款的居民开始，并逐步向其他对象扩展，我国个人信用制度建设应从档案制度、信用评估制度、帐户制度、资源共享系统和监控体系等五个方面同步进行
The healthy development of housing finance is inseparable from the sound personal credit system, but at the same time, the operation of housing finance has provided a pilot condition for the construction of personal credit system in our country. The object of the establishment of personal credit in our country starts with the residents who are implementing the mortgage loan and gradually expands to other objects. The construction of personal credit system in our country should be synchronized from five aspects of the file system, the credit evaluation system, the account system, the resource sharing system and the monitoring system get on