日前 ,由国家统计局中国经济景气监测中心与万事达卡国际组织联合举办的首次中国信贷消费调查结果显示 :信贷消费 ,首选住房 ,其调查人群选择比例达 78.4% ,首次超过教育、汽车、医疗的选择比例 ,成为中国人信贷消费的热点。作为从事个人住房贷款业务的商业银行 ,应以此为契机 Recently, the first survey on credit consumption in China, jointly conducted by China National Economy Monitoring Center of China and MasterCard International, conducted by National Bureau of Statistics of China showed that the proportion of respondents in selecting consumers for credit and preferred housing reached 78.4%, surpassing that of education, automobiles and medical institutions for the first time Choosing the ratio has become a hot spot for Chinese people to spend their credit. As a commercial bank engaged in personal housing loan business, this should be taken as an opportunity