A Research Of The Current Problems And Countermeasures Of Individual Housing Consumer Credit Market In China

In order to establish a housing consumer credit market, raise the living standards of housing residents, the author analysis the main problems of housing consumer credit market firstly (including the housing mortgage loan market, the housing accumulation fund market and the voluntary housing saving and loan market) ,and then proposed some solutions to them.The contents of this paper are as follows: in the introduction, the opening chapter of the article explained the background and the significance of this topic, To ensure the depth of the research, the second part of the paper begins with defining the concept of credit, the characteristics of housing consumer credit, the three forms of housing consumer credit, and reviewing the housing consumer credit market as a whole. In the third part of the paper, the author points out the major problems that exist in the housing consumer credit market at present, and also provides an in-depth analysis of the causes of these issues. Three countries' housing credit markets (United States, Singapore and Germany) are introduced in the forth part of this study, which includes the background, the operation mechanism and features of the national housing credit market, and also some apocalypses from them. Finally, in the last part of the paper, some practical proposals are put forward respectively from the government, the financial institutions and consumes for improving China's consumer credit market of housing.