The facilitation of housing consumption not only can boost economic growth，but also can promote the development of market economy. As housing consumption needs large amount of money，housing finance can promote the consumption effectively. Meanwhile，the state government can adjust the housing credit policies to ensure the stable and healthy functioning of the market. On the other hand，the excess of financial support could lead to a upsurge of housing price，and give birth to a bubble，which may bring about some adverse effects on the safety and stability of the financial system. At present，from the view of urbanization，credit policy，and horizontal comparison，China does not yet exist risk of excess of financial support.