针对个人住房抵押贷款风险的周期性 ,建立以住房抵押贷款二级市场为支撑 ,一级市场充分发展 ,奉行市场化运作的住房金融体系是我国的住房金融未来的发展取向 Aiming at the cyclical nature of individual housing mortgage loan risk, the development of housing finance system based on the secondary market of housing mortgage loans and the full development of the primary market as well as the market-oriented operation will be the future direction of housing finance in China