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居民住房抵押贷款市场的发展依赖于三个方面的条件:充分的贷款供给、旺盛的贷款需求和良好的市场环境.我国居民住房抵押贷款市场发展缓慢与供给、需求和市场环境都有密切的关系.本文仅从需求方面进行分析.一、居民住房抵押贷款市场发展缓慢的原因我国居民住房抵押贷款市场发展缓慢的重要原因是有效需求不足.造成居民住房抵押贷款市场有效需求不足主要有以下诸方面的原因.
The development of residential mortgage loan market depends on three conditions: adequate loan supply, strong loan demand and good market environment.The slow development of China’s residential mortgage loan market has close relationship with supply, demand and market environment This article only analyzes from the demand side.A reason why the residential mortgage loan market is developing slowly The main reason why the residential mortgage loan market of our country develops slowly is the lack of effective demand.It causes the following problems in the effective demand of residential mortgage loan market s reason.