近年来,我国市场经济不断发展,国家出台的拉动内需、扩大国内居民消费需求和增长的宏观经济政策发挥了积极作用,使个人消费需求、消费能力明显提高。占主导地位的住房消费贷款,市场竞争十分激烈,在促进房地产市场快速发展的同时,与之伴生的种种风险隐患引起了金融监管当局和社 In recent years, with the continuous development of the market economy in our country and the state’s macroeconomic policies of boosting domestic demand and expanding consumer demand and growth in the Mainland, the State has played an active role in boosting the individual consumption demand and spending power. The dominant housing consumer loans, the market competition is fierce, in promoting the rapid development of the real estate market at the same time, with the associated risks of all kinds caused by the financial regulatory authorities and the community