目前“因城施策”的房地产市场调控政策体系仍有待完善,考虑一二三四线城市房地产市场分化的事实,本文按照逆周期宏观审慎原则测算房地产市场热度指数,通过3σ原则将该指数对应参考以往经验构建的住房信贷调控政策,并针对全国70个大中城市分类提出差异化住房信贷政策体系。 At present, the system of real estate market regulation and control is still to be perfected. Considering the fact that the real estate market is divided in one two-three-four-line cities, this article estimates the real estate market heat index according to the countercyclical macro-prudential principle. Corresponding reference to past experience in building housing credit control policies, and for the 70 major cities in the country proposed differentiated housing credit policy system.