[摘　要]　在已有侧重于定性分析影响我国个人住房消费信贷因素的研究成果基础上，从实证角度考察我国个人住房消费信贷与几个主要影响因素之间的关系，指出城镇居民可支配收入、商品房平均房价和贷款利率对我国个人住房消费信贷都有显著的影响，并提出发展我国个人住房消费信贷的建议。

[关键词]　住房信贷,影响因素,实证分析,发展建议

Abstract: Based on the research focus on qualitative analysis about the influence factors of individual housing consumption loan in China, investigates the relationship between individual housing consumption loan and some major influence factors empirically. The results show that disposable income of urban residents, housing prices and loan rate are indeed powerful predictors of individual housing consumption loan in China, and puts forward some suggestions to promote the efficiency of individual housing consumption loan in China.

Key words: housing consumption loan; influence factor; empirical analysis; development advice

[参考文献]

[1]熊燕．个人住房消费信贷发展的现状与前景[J]．中国房地产金融，1999（10）：33-35.

[2]杨华辉，张建军．对我国个人住房消费信贷的研究[J]．消费经济，2003（5）：33-35.

[3]姜茜．个人住房消费信贷中的问题及对策研究[D]．重庆：西南农业大学，2003.

[4]帅学燕，范凌芸．个人住房消费信贷中存在的问题及对策[J]．江西广播电视大学学报，2007（3）：21-25.

建筑经济，2011（10）：81-83