Through the game of housing consumer and commercial, for one thing, housing consumer desides applying for loan or not,and commercial bank desides granting loan or not; for another ,housing consumer selects prepaying loan,paying loan on time or branking contract,and commercial bank .

Hot sale in real estate market in China at present is no more than the release of historic stock demand, no matter which is seen from real estate consumption or from real estate investment and which is a false demand, not an effective demand really turned from potential demand, which is essentially dependent upon bank credit loan and revenue transfer from loans.

The paper puts forward a concept of consumer property rights,inquiring into the PRs structure of merchandise information,studying the allocation way of key information under the globalization of the industrial division,analyzing the governance mechanism for protecting the consumer property rights,putting forward the policy to ameliorate government regulation and improve the institutiona.

Expansion of consumer credit economy has resulted in vulnerability to be increased in case of employment,medical care,marriage and other issues,resulting in rising consumer debt,therefore,consumer bankruptcy system no doubt is the most critical and final line of defense to be built.