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国际清算银行(BIS)在其2006年12月11日发布的季度报告中指出,中国的房屋贷款市场达2270亿美元,规模居亚洲之首。(2006年12月12日《新闻晨报》)中国房贷市场迅猛增长,不能说与中国庞大的人口基数,及近些年不断加快的城市化进程无关,但是中国房贷规模高居亚洲之首,显然更离不开以下因素的作用：
In its quarterly report released on December 11, 2006, the Bank for International Settlements (BIS) pointed out that China’s housing loan market reached 227 billion U.S. dollars, ranking the first in Asia. (December 12, 2006, “Morning News”) The rapid growth of the mortgage market in China can not be said to have anything to do with China’s huge population base and the ever-accelerating process of urbanization in recent years. However, China’s mortgage portfolio ranks first in Asia, apparently more Can not do without the following factors: