我国住房抵押贷款供给不足 ,主要原因在于二手房市场的不活跃 ,抵押贷款二级市场的缺乏 ,个人信用制度的缺乏以及贷款品种的单一等。所以 ,应该大力促进二手房市场的发展 ,培育发展抵押贷款二级市场并建立个人信用制度 ,增加贷款品种 ,以此来促进住房抵押贷款的供给的增加。 The shortage of housing mortgage loan in our country is mainly due to the inactive second-hand housing market, the lack of the secondary market for mortgage loans, the lack of personal credit system and the single loan types. Therefore, should vigorously promote the development of second-hand housing market, foster the development of secondary markets for mortgages and the establishment of personal credit system, increase loan varieties, in order to promote the increase in the supply of housing mortgage loans.