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个人住房贷款的安全性、流动性和效益性是影响其业务发展的关键，本文在立足于大连建行个人住房贷款业务发展现状的基础上对大连建行个人住房贷款业务的“三性”做了实证分析，同时在对市场进行了大量调查的基础之上，论证了大连建行个人住房贷款业务的发展前景，并对其个人住房贷款业务的进一步发展提出了相关意见。
The security, liquidity and profitability of individual housing loans are the key to the development of their business. Based on the status quo of the development of personal housing loans in Dalian Construction Bank, this paper empirically tests the “nature” of personal housing loan business in Dalian Construction Bank. At the same time, based on a large number of market surveys, this paper demonstrates the development prospect of personal housing loan business in Dalian Construction Bank and puts forward relevant opinions on the further development of its personal housing loan business.