近年来,我国个人住房信贷业务发展迅速,业务品种不断增加,已经成为我国银行利润新的增长点,但与发达国家相比,我国的住房信贷业务的发展还存在许多问题。本文分析了我国发展住房信贷的潜力所在,指出了我国个人住房信贷发展过程中存在的问题,并提出了相应的解决对策。 In recent years, the rapid development of personal housing credit business in our country and the increasing variety of business have become a new growth point of China’s bank profits. However, compared with developed countries, there are still many problems in the development of housing credit business in our country. This paper analyzes the potential of housing credit development in China, points out the problems in the development of personal housing credit in our country, and puts forward corresponding solutions.