住房消费信贷是扩大内需的一个重要手段。我国住房消费信贷还有待进一步发展 ,增加个人信用制度供给是发展住房信贷的突破口。目前我国个人信用制度面临着公民信用记录缺失、信用法规不完善、社会氛围不够等缺陷 ;因而应从设置信用局、加速立法、完善配套制度入手建立个人信用制度。 Housing consumer credit is an important means of expanding domestic demand. China’s housing consumer credit needs to be further developed, increasing the supply of personal credit system is a breakthrough in the development of housing credit. At present, the personal credit system in our country is confronted with defects such as lack of credit records, imperfect credit laws and regulations and inadequate social atmosphere. Therefore, a personal credit system should be set up by setting credit bureau, accelerating legislation and improving supporting system.