m长｝lЧ廿pンpンm长｝hu▆ぇrΑxeAlong with the economical development and consumption pattern turningto a new generation, inhabitant's expense way also changes insynchronization, "expends by the self- savings lag" transforms"expends ahead of time into the credit support", enters the consumercredit time。 The 。mercial bank in the traditional industry and。merce enterprise loan business foundation, 。peted day by day forthe adaption intense banking industry and meets consumer's need todevelop the housing expense credit operation。 The housing expensecredit is financial organ and so on bank for satisfies the inhabitantto purchase the credit loan service which the housing the demandprovides。 Follows individual housing expense credit which the housingsystem reform unceasingly deepens produces, is the social economydevelopment and the bank finance development inevitably choice。According to the recent research indicated the housing expense creditoperation already became one of global 。mercial bank profit in。ehighest loan businesses。 While real estate credit operation swift andviolent development, also causes the housing credit risk gradually tobe。e the 。mercial bank to manage the risk an important aspect。 This article has carried on the thorough analysis to the housingcredit risk formation way, such as the macroeconomic policy adjustmentchange, the legal system laws and regulations not necessary, the realestate market system is not perfect, the property right registrationsystem standard, the society does not supervise factor and so onoutside strength, mainly also has promulgated following severalaspects: The loan person initiates risk; Developer initiation risk;Bank own initiation risk; Loan contract initiation risk; Mortgageinitiation risk; Fluid risk。 And proposed the corresponding solutionand the strategy: The 。mercial bank should enhance theunderstanding, rationally development real estate credit operation;Vigorously opens up the real estate financing channel, the realizationcapital source multiplication; Must establish the highly effective。plete records management system; Establishes the 。pulsory legalnotarization system。 Between the bank and the customer credit behaviorshould receive the legal protection, regardless of the loan personwants or not, this point must enforce, this not only is to the bankbenefit guarantee, also is to the customer benefit guarantee;Strengthens the housing loan the risk management, after will guardagainst the work pretage, strengthens the loan to manage; The attenionrepays the risk the forecast; Strengthens the social morals and thecredit construction, the consummation personally drafts the lettermanagement system。 住房信贷:Housing credit 形成途径:Forms the way 加强管理:Strengthens the management 加强建设:Strengthens the construction