This paper makes the suggestion to the current initial apartment buyers that they should establish a mathematical model,by comparing two practical examples of the housing provident fund loans and commercial loans.

Why a policy bank should launch commercial loans? How to manage and develop commercial loans? All of the questions are gravely theoretical and practical problems faced with CAB.

This new institution is mainly composed of four aspects: moderate loan-granting institution;banking loan-granting institution combined planned policy loan with conditional commercial loans;bank loan risk management institution and bank loan guarantee institution.