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运用跨时期消费理论研究我国住房消费信用发展的内在运作机制。共分四个部分：（１）分析住房消费的预算约束；（２）分层次阐述利率的作用机理以及住房消费者的行为选择过程；（３）分析住房消费信用中风险分摊化解机制的形成过程；（４）总结全文，提出进一步推进我国住房消费信用发展的政策建议
Using Interdisciplinary Consumption Theory to Study the Inner Operational Mechanism of Housing Consumer Credit Development in China. It divides into four parts: (1) Analyze the budget constraint of housing consumption; (2) Explain the action mechanism of interest rate and the behavior selection process of housing consumers; (3) Analyze the forming process of risk allocation and resolving mechanism in housing consumer credit ; (4) Summarizing the full text, putting forward the policy suggestions to further promote the development of China’s housing consumption credit