随着经济的发展和人民生活水平的提高 ,住房消费成为城市居民的消费热点 ,为抓住这一契机 ,各家商业银行相继推出了个人住房贷款业务 ,但这一业务从推出到现在却发展缓慢。本文从居民个人和银行两个方面分析了我国个人住房贷款业务发展缓慢的原因 ,提出了发展我国个人住房贷款业务的一系列措施 With the development of economy and improvement of people’s living standards, housing consumption has become a hot spot for consumption by urban residents. In order to seize this opportunity, commercial banks have successively launched individual housing loan businesses, but this business has been developing since it was introduced slow. This article analyzes the reasons for the slow development of personal housing loan business in our country from two aspects: resident individual and bank, and puts forward a series of measures to develop personal housing loan business in our country