住房金融是指为住房生产和消费而进行的资金筹集、融通、借贷和结算等一系列信用活动的总称,是银行及其它金融机构为发展住房生产和消费而开展的信用活动和提供的金融服务。其主要内容是筹集住房资金、发放住房贷款及资产与负债之间的风险管理。可分为住房生产融资和住房消费融资两类,所谓 Housing finance is a general term for a series of credit activities such as fund raising, financing, lending and settlement for housing production and consumption, credit activities and financial services provided by banks and other financial institutions for housing production and consumption . Its main content is to raise funds for housing, housing loans and the risk management of assets and liabilities. Can be divided into two types of housing production financing and housing consumer financing, the so-called